- Assess creditworthiness of clients to minimize credit risk exposure. - Conduct thorough credit risk assessments, including financial analysis and credit scoring. - Develop and implement risk management policies and procedures. - Analyze datasets to identify trends, risks, and opportunities. - Prepare detailed credit risk reports and present findings to senior management. - Collaborate with various departments (sales, business development , legal) for comprehensive risk management. - Ensure compliance with relevant laws, regulations, and internal policies. - Provide mentorship to junior analysts

• Evaluating all the applications to ensure compliance with credit policy anddocumentation criteria based on customer’s segmentation.• Ensure that each application fulfills all the minimum criteria.• Processing all the applications in queue on the same day.• Meeting the service levels and turnaround time.• Conducting internal verification.• Reviewing external verification comments on system memos as well ascustomers ISCORE report and keep record in file.• Compute applicant’s debt burden and prepare an analysis sheet.• Proposing deviation approvals based on strong profile of the applicant, despitenot meeting certain individual requirements.• Completing other special tasks requested by the higher level.• Pass applications to the last step due to my credit limit.

• Participating in making short & long term plans to increase bank productivity.• Coordinating between all retail departments for the most efficient service forcustomer and profitability for bank.• Finding solutions to decrease TAT & smoothen business cycle.• Making daily & monthly data business analysis to check productivity of eachsales / branch and provide it to front line Heads.• Raising sales / branches awareness towards policies and procedures.• Communicating with regional sales managers and Heads to solve rejected applications in risk in order to increase productivity

-Maintaining a healthy relationship with existing customers while opening up fresh customers. -Providing sales and administrative support involving efficient handling of top and confidential agreements. -Supporting the sales team in attaining sales targets. -Communicating with regional sales team for status of order and position of sales. -Providing inputs and ideas into marketing enterprises and subsequently promote them and monitor responses. -Preparing monthly, weekly or daily sales analysis. -Preparing proposals, agreements, sales reports, and presentations. - Updating the status of sales order in the database or computer. - Collecting, analyzing, evaluating and accounting the information in order to increase productivity of sales. -Monitoring the trends and evaluating the performance assessed against monthly sales goals. -Maintaining an efficient work environment. -Promoting the facilities of the organization to fresh and existing customers through a proactive approach. -Coordinating and responding to all requests of internal meetings. -Assisting in the implementation of sales strategy as prepared by the Sales event manager. -Attending network and promotional events to develop and maintain contact with potential clients and professional bodies.