• Evaluated and made decisions on lending proposals, applying credit risk management skills to maintain an optimum risk-return balance in a retail assets portfolio, achieving a 15% reduction in default rates. Conducted comprehensive credit analysis, including profit and loss reviews, balance sheet evaluations, and client interviews, resulting in the preparation of 100+ credit assessment notes annually that adhered to specified policies.• Approved lending proposals according to the… Show more • Evaluated and made decisions on lending proposals, applying credit risk management skills to maintain an optimum risk-return balance in a retail assets portfolio, achieving a 15% reduction in default rates. Conducted comprehensive credit analysis, including profit and loss reviews, balance sheet evaluations, and client interviews, resulting in the preparation of 100+ credit assessment notes annually that adhered to specified policies.• Approved lending proposals according to the delegation matrix, ensuring portfolio quality remained within prescribed risk appetite, with controlled delinquency rates below 2% and losses minimized to under 1%. Consistently met service level agreements on turnaround time, reducing rework rates by 20% and maintaining zero policy-related errors, thus ensuring optimal service standards for both internal and external customers.• Ensured compliance with all organizational and departmental policies and procedures, delivering consistent service standards to customers and stakeholders, resulting in a 30% increase in customer satisfaction scores. Demonstrated commitment to customer service by applying ADCB Service Standards, resulting in a 90% positive feedback rating from internal and external customer interactions. Awarded as the Employee of the Month for: Nov 2016, Nov 2017, and Feb 2019. Show less

• Reviewed application forms in accordance with bank policies and procedures for the Credit Initiation Process, drafting comments and recommendations that contributed to a 90% approval rate for credit requests. Analyzed the financial position of applicants based on supporting documents, ensuring comprehensive evaluations that resulted in a 15% reduction in overdue accounts.• Ensured all applications were processed within the established turnaround time (TAT), achieving a 95% on-time… Show more • Reviewed application forms in accordance with bank policies and procedures for the Credit Initiation Process, drafting comments and recommendations that contributed to a 90% approval rate for credit requests. Analyzed the financial position of applicants based on supporting documents, ensuring comprehensive evaluations that resulted in a 15% reduction in overdue accounts.• Ensured all applications were processed within the established turnaround time (TAT), achieving a 95% on-time processing rate and enhancing customer satisfaction. Studied applicants' bank account performance to evaluate credit proposals accurately, leading to a 20% increase in credit approvals aligned with risk appetite.• Reviewed bank statements and recent credit history to identify repayment behaviors, successfully flagging potential risks and reducing default rates by 10%. Performed random reviews of rejected and declined applications, providing feedback that improved approval rates by 15% through enhanced application quality. Show less

• Evaluated and analyzed auto loan, credit card, and personal loan applications in accordance with PPGs and Credit Policy, achieving a 98% compliance rate with regulatory standards. Performed comprehensive credit initiation checks, including tele-verification and exposure checks, completing the credit checklist for over 200 applications monthly with a 100% accuracy rate.• Prepared and reviewed Letters of Undertaking (LOU) for necessary approvals, ensuring timely processing that… Show more • Evaluated and analyzed auto loan, credit card, and personal loan applications in accordance with PPGs and Credit Policy, achieving a 98% compliance rate with regulatory standards. Performed comprehensive credit initiation checks, including tele-verification and exposure checks, completing the credit checklist for over 200 applications monthly with a 100% accuracy rate.• Prepared and reviewed Letters of Undertaking (LOU) for necessary approvals, ensuring timely processing that contributed to a 20% reduction in approval turnaround time. Evaluated and analyzed service requests for auto loans, credit cards, and personal loans in line with product policies, leading to a 15% increase in request resolution efficiency.• Delivered quality credit turnaround service to branches and sales teams, consistently meeting service level agreements and achieving a 95% satisfaction rate from internal stakeholders. Logged, declined, and rejected applications in the Loan Origination System (LOS) efficiently, maintaining a 99% accuracy rate in data entry. Show less