● Made process for risk-based re-profiling of 8K+ customer base of Business Banking accounts ● Created risk-based reports to classify business banking portfolio ● Random sampled clients profiled & validated via analysis and site visits ● Review high-value transactions to ensure regulatory compliance● Periodic clean-up of the portfolio by the closure of inactive accounts

Preparation of credit approval comprising of company constitution documents, audited financials, bank statement and central bank checks for Business Finance, Mortgage Finance, Business Assets Finance, Receivable Finance for companies with annual turnover upto AED 100M+.

● Underwriting of credit applications comprising of audited financial, bank statement and legal documents for Business Finance for upto AED 4.00M (Eq. USD 1.089M) of companies having sales turnover upto AED 150M+ (Eq. USD 41M+). ● Critical and in depth analysis of the customer documents as per bank credit policies and risk profile of the bank to extend finance● Carry out detailed analysis of the bank statement and financial analysis of audited financials in line with business model and undermine any possibility of Fraud; and determine the cash flow and repayment capacity ● Conduct central and negative checks including negative database, Central Bank Rating, Em-bounce (Police case on borrowers) and Anti Money Laundering● Due Diligence on the portfolio booked and avoid the bank for credit risk and operational risk of the bank.

• Determine the eligibility of clients for Small Business Finance (SBF) as per Risk Acceptance Criteria (RAC) set by the bank• Scrutinize & complete credit application documents for customers of sales turnover ranging from AED 1Million to AED 100Million • Analysis of Bank Statements to pull out inward/outward check returned, missing links, internal transfers, same day cash in/out transaction, deduction of loan transactions in order to calculate sales proceeds of the company. • Determine concentration risk in Bank Statements and seek proof of high value transactions. Extract Equal Monthly Installments (EMIs) and calculate Debt Burden Ratio (DBR) of the customers for more than 6 month finance tenor like Fixed Assets Finance & Tadawul • Analysis of Financial statements by calculating financial ratios, assess the cash cycle & cash inflows of the company and to determine the repayment capacity of the loan proposed. • Advise Team Leader about Quality Cases after thorough study of the credit applications• Manage credit portfolio of approx. AED 10Million (Eq. USD2.739Million) in a month along with team strength of 11 (Senior) Relationship Officers• Follow-up with Credit Division for approvals and fulfil the discrepancies if required • Retrieve Central bank checking e.g. RB (Risk Bureau) Reports, CB (Central Bank) Reports, CRR (Customer Risk Rating) and Market checking • Preparation of CA error sheets, its periodic review, submission of report to Sales Manager and training of the team to improve CA quality• Assist in planning of individual Credit Review assignments, to conduct the review efficiently and to identify key risks factors

• Market/Source additional Commercial & Small & Medium Enterprises Clients for funded & non-funded credit facilities and deposit mobilization • Manage a portfolio of 30 relationships valuing approx. funded limits up to PKR 450Million (eq. AED 17Million) including Overdraft (OD), Local Bill Discounting (LBD), Finance Against Trust Receipt (FATR), FIM (Finance Against Imported Merchandise), Cash Finance (CF), Export Refinance (ERF), FAPC (Finance against Packing Credit), Export Against; Advance Payment, Cash Against Document, Document Acceptance for RKR 800Million (eq. AED 30 Million) Inland LC, Letter of Credits-Sight/Usance, Letter of Guarantees, Bid Bond, Advance Mobilization, Performance Bond, and deposit PKR 110Million (eq. AED4Million).• Identification & profiling of the client – through regular and various call plans, initiation of credit appraisal, assisting support team in responding pre-approval queries, facility disbursement procedures and post disbursement loan monitoring/ administrating while providing one-window operation for processing of customer request.•Compliance with Banks Strategy/ Industry limits initiate. Credit/ appraisal, Memoranda, Offer Letters, Yield Statement, Account Profitability Reports, Collateral Appraisals, Internal-Memos, Deposit and Loan information, Financial statements, spreadsheets, commented – financial analysis and pertinent investigation work whether from verbal or written sources including credit agencies reports. • Effective management of portfolio i.e. timely recovery of outstanding liabilities, control of credit expiries, Timely issuance of Disbursement Authorities, Monitoring of stock & receivables reports, insurances of the securities & covering of security shortfalls if any. • Account Opening Formalities of Individuals, sole proprietorships, Partnerships, private & limited companies