•Handles the process of Credit card application of Ajman Bank, Deem finance.•Reviewed and processed Credit card and Loan applications, upgrades/downgradesrequest, in accordance with credit policy.• Accountable for accepting or rejecting applications based on the customer's AECBreport, by calculating DBR, analyzing repayments, and credit exposure.• Obtained and reviewed bank statements / EFTS to verify the accuracy of customersalaries and analyzed any unusual transaction patterns.• Examined KYC and supporting document and same is appropriately recorded andstored on proprietary systems, ensuring compliance with banking regulations.• Detected misrepresentations and documentation frauds during the credit initiation andcustomer onboarding process.• Rectified discrepancies and coordinated with the Bank's BDM to obtain quick decisionson login files.• Updated data in MIS for tracking and reporting purposes and sent it out every day.• Proficient in reviewing customer records and recommending alternative products