Jaspreet Kaur Email & Phone Number

United Arab Emirates

Dubai

Dubai

As a Business Banking Credit Analyst for SME facilities, I am accountable for analyzing bank statement and audited in-house financials statements, ratio analysis, preparation or presentation of appraisal notes, Moody’s analysis, FIGP (facilities against fixed income generating properties), asset backed financing, interims memorandums for one off customer request, conducting central bank credits or blacklisting check. Conducting credit analysis and risks assessment of clients based on Industry… Show more As a Business Banking Credit Analyst for SME facilities, I am accountable for analyzing bank statement and audited in-house financials statements, ratio analysis, preparation or presentation of appraisal notes, Moody’s analysis, FIGP (facilities against fixed income generating properties), asset backed financing, interims memorandums for one off customer request, conducting central bank credits or blacklisting check. Conducting credit analysis and risks assessment of clients based on Industry, financial, management and business model parameters. Managing the credit and risk aspect of SME unit and proactively identify risk/irregularities to avoid losses, maintain superior control and meet the audit objectives of the unit. Playing a vital role in credit appraisal of small and medium enterprise (SME) for the term loan and working capital requirement, ensuring all regulations and compliance requirements are met. Conducting credit investigations and analyzing credit information pertaining to loans.I am working closely with RMs on client calls for new acquisitions/renewal of facilities and draft loan applications for finalization within the agreed stipulated timelines. Instrumentally monitoring accounts (i.e. cash flows, repayments, account behavior, compliance with covenants stipulated in the terms of approval) and ensure that portfolio is within the acceptable credit and compliance standards. Identifying gaps between the current practices and procedures and make the necessary change and assisting Relationship Managers (RMs) in putting up cases for renewal of facilities as per set timelines. Proactively monitoring and ensuring compliance with internal/external commitments including proper receipt of documents, processing of documents to storage team and coordinating with central team for the same. Show less

As a Customer Service Officer, I successfully handled the front desk activities in the branch during the banking hours and handling all customer requests, account opening, credit analysis of customers, credit cards, debit cards, online banking, trade finance dealing and booking rates for telex transfer (money transfer) etc. Managed the entire gamut of retail branch operations like Cash Transactions, Bank Deposits (CASA), Loan Process, Credit Operations, and Cash Management, ICCS- outward… Show more As a Customer Service Officer, I successfully handled the front desk activities in the branch during the banking hours and handling all customer requests, account opening, credit analysis of customers, credit cards, debit cards, online banking, trade finance dealing and booking rates for telex transfer (money transfer) etc. Managed the entire gamut of retail branch operations like Cash Transactions, Bank Deposits (CASA), Loan Process, Credit Operations, and Cash Management, ICCS- outward cheques, creating and modifying Fee Waivers. I was cross-selling bank products selling new and existing products and generating referrals while interacting with the customers.Worked with High Net Worth clients for understanding their requirements & suggesting the most viable solution for customer retention & securing repeat business. Made a vital contribution in sustaining a customer centric environment that fosters development opportunities and motivates high performance amongst Customer Service Team as well as among the team members. Show less

During this tenure, I gathered & defined business requirements while managing the risks to improve business processes. Established healthy business relations with clients & external associates for securing repeat business & long term customer loyalty & worked towards solving their query & escalations in an effective manner.Recommended major process changes and ensuring suitable and satisfactory controls are introduced into new areas of activity through major systems and development… Show more During this tenure, I gathered & defined business requirements while managing the risks to improve business processes. Established healthy business relations with clients & external associates for securing repeat business & long term customer loyalty & worked towards solving their query & escalations in an effective manner.Recommended major process changes and ensuring suitable and satisfactory controls are introduced into new areas of activity through major systems and development work. Developed banking and investment relationships with Mass Affluent customers, reviewing investment goals and presentations recommending stocks, bonds, mutual funds, annuities among others. Recommended new investment products, changes, and product enhancements to provide quality service, monitoring and reviewing risk issues and ensuring they are addressed in an adequate and timely fashion. Show less

Dubai, United Arab Emirates

As an Intern, I gained strong exposure to organization skills and learnt to work in a highly pressured environment. Gained strengths in communicating with peers to understand the process and utilize the same efficiently to achieve organizational objectives.

Master Of Business Administration (M.B.A.), Finance, General

Bachelor Of Business Administration (B.B.A.), Finance, General, 3.91 Cgpa

Education record