Nithin Ramakrishnan Email & Phone Number

Sharjah, United Arab Emirates

Dubai, United Arab Emirates

Accomplished reviews, underwriting, and approvals of Credit Loans, covering Approve Auto Loan, Personal Loan,, Credit Cards credit proposals for both Islamic and conventional, with sole authority approval delegation of AED200k.•Analyzing the portfolio of Loans, Advances, and cards offered by RAK Bank under the RB suite of products and provide inputs for policy formulation and changes from time to time•Reviewing the credit applications and making decisions to approve or deny the extension of credit within set credit authority established by senior management and state/federal laws.•Evaluating customer records and recommend payment plans based on various parameters. •Undertaking investigations regarding credit proposals and escalating suspicious activities identified during application evaluation on document formats or information gathered. •Evaluated customer profiles & applications seeking retail credit facilities, ensuring quality evaluation on all applications as per the Bank’s credit policies & procedures and within the agreed turnaround times.•Performed Risk Analysis, based on credit data and financial statement analysis, mitigating the risk involved in the extension of credit cards, personal loans, Smart Loans, Auto Loans, and overdraft facilities. •Possessed in-depth knowledge and trained to analyze customers as per Al Etihad Credit Bureau.•Escalated suspicious activities identified during application evaluation on document formats.•Coordinated smoothly with internal and external stakeholders, including company reps, retailers, seniors, and co-workers.•Delivered reports with this credit information for use in decision-making by the seniors or management.•Issuing Auto Loan LPO and emailing to the car showrooms and auto dealers.•Leveraging tools/systems – ITQAN, AECB, FINACLE, OMNI DOCS/SCAN, and EFMS

Dubai, United Arab Emirates

Led the operations of the credit portfolios and credit request with the focus to minimize bank risk by conducting due diligence on the legal and financial background of key partners, management, vendors and suppliers before entering a formal relationship.•Performed Pre-Analysis of the documents as per banking policies and requirements.•Processed the customer credit requests whilst ensuring the delivery of quality service and adhere to TAT, SLA & internal (Operating Procedures) and external (Central Bank) guidelines laid down.•Escalate promptly if any irregularities/incident that may lead to risk or financial loss.•Facilitated a high level of satisfaction for credit customers – delivering on credit reports, maintaining client records, processing payments, investigating customer queries.•Reviewed and developed financial analysis and credit ratios to determine the degree of risk in extending credit.•Performed the operational activities and guaranteed compliance with policies. •Efficiently maintained the database related to credit applications, all new accounts established for tracking purposes, and following up as needed.•Identified and recommend improvements to existing procedure and processes, suggest changes for improving controls and reducing cost without compromising on service quality.•Maintained awareness of the department's Business Continuity Plan, reviewed and highlighted changes if any and undertaken appropriate training to ensure corrective action is taken in the event of an incident or disruption.Received the “Appreciation Award” | appreciation from Credit Manager (operations) for excellent support during high volumes (2015 / 2017)

Dubai, United Arab Emirates

•Coordinated with various departments within the bank like Compliance, Fraud, Collections, Arcade (loan dispersal), Showrooms, Sales, etc. to follow up on the auto loan applications and Personal Loans •Maintained Excel Sheet for Auto Loan Dubai and taking full accountability of physical application fresh cases, approved/declined files and resubmitted cases; from the time of substitution till archival.•Worked on projects like ITQAN and other internal valued applications for system enhancement.

Dubai, United Arab Emirates

Responsible for input and maintenance of data for credit cards, personal loans, and auto loan applications. Delivered on various banking tools such as EM Credit, Dow Jones, and World-Check and forwarded the accurate data to the credit analyst.•Processed the customer credit requests whilst ensuring the delivery of quality service and adhere to TAT, SLA & internal (Operating Procedures) and external (Central Bank) guidelines laid down.•Ensured all day to day activities comply with Anti-Money Laundering and other regulatory requirements laid down internally and by Central Bank. •Conducted HR and Customer CPV [Phone Verification].•Maintained awareness of the department's Business Continuity Plan, reviewed and highlighted changes if any and undertaken appropriate training to ensure corrective action is taken in the event of an incident or disruption.•As part of the pilot project handled the branch operations for credit cards and personal loans for 3 months.

United Arab Emirates

• Resolved queries regarding usage disputes, pricing plans, store locations, internet set-up on locations, etc.• Escalated and lodged complaints for produts based in Iraq and Afghanistan and USA • Rectified the detail discrepancies, if any basis the inputs of the dealers. • Worked on excel and maintained default devices data and their prices and delivery back to the base• Worked on internal appications and software as data back up• Achieved numbers during the month of heavy targets proactively or when required.Received the award for " “Employee of the Quarter” from July 2006 to Sept 2006.

Master Of Business Administration - Mba, Finance, General

Master Of Business Administration - Mba, Human Resources Management And Services, A Grade

Bachelor’S Degree, Information Technology And Science, A

Activities and Societies: Soccer Team. Debate as team. Annual year celebrations.• 3 years Semester Course-Evening Classes. • IT.

Associate’S Degree, Airport Operations Ramp Handling Foudation, A

Activities and Societies: •Daily Tests. •Running projects. •Worked as Team handling Airport situations. •Airport Field Visits. •Involved.

High School, Computer Science, A

Activities and Societies: SOCCER TEAM, ARTS AND CULTURE, VOLLEYBALL TEAMAchieved best student award - 3 months in a row. Achieved medals.