Syed Hammad Email & Phone Number

Ajman- United Arab Emirates

•Analyze and process credit proposal and applications of “(Vehicle Finance, Personal Finance, Credit Card and Home Finance” salaried and self employed).•Regulating all approvals within the credit policy and product features.•Ensuring consistent application of credit, quality of underwriting decisions and of documents held as Collateral.•Exception identification for eligibility, Pricing, information capture on the system and collateral Compliance.•Handle correspondence with branches and sales units across UAE regarding credit applications. Liaison with Credit Policy Department for policy modifications and transactional deviations.•Recommending improvements in operational procedures and risk areas from time to time

Ajman- United Arab Emirates

•Analyze and process credit proposal and applications of Vehicle Finance, Commercial Mortgage Finance & Business Installment Finance (i.e. Commercial vehicle, Rent a car and car dealer financing).•Regulating all approvals within the credit policy and product features.•Ensuring consistent application of credit, quality of underwriting decisions and of documents held as Collateral.•Exception identification for eligibility, Pricing, information capture on the system and collateral Compliance.•Credit Evaluation for Commercial Financing with strict adherence to bank’s Credit Policy and Standard Operating Procedures.•Handle correspondence with branches and sales units across UAE regarding credit applications. Liaison with Credit Policy Department for policy modifications and transactional deviations.•Recommending improvements in operational procedures and risk areas from time to time.

Dubai- United Arab Emirates

•Credit Evaluation for Retail Financing with strict adherence to bank’s Credit Policy and Standard Operating Procedures•Exception identification for eligibility, Pricing, information capture on the system and collateral Compliance.•Ensuring consistent application of credit quality of underwriting decisions and of documents held as Collateral.•Regulating all approvals within the credit policy and product features•Establish the credit worthiness of Limited Liability companies with special emphasis on past borrowing relationship with the Bank, capacity to borrow further, repayment capability, financial ratio analysis, and business profile of company, security analysis and Credit worthiness reports. •Liaison with Credit Policy Department for policy modifications and transactional deviations.•Identifying anomalies in Credit policies and product Manual.•Conducting Credit visits to customers to have better understanding of business cycle, judge feasibility of proposed transaction, verify the profitability of company and to improve bank’s perception for the client.•Handle correspondence with branches and sales units across UAE regarding credit applications.•Communicating major deficiencies and policy violation to Team leader / Manager / policy and Marketing.•To ensure daily productivity targets are met.•To ensuring quality service to internal / external customers by adhering to the committed turnaround time.•To ensure compliance to specified procedure.•Approval of cases under delegated approval authorities and Escalation of cases lying beyond eligibility Credit score to Head of Retail Credit.

Dubai-United Arab Emirates

•Manage a designated team and supervise the activities in the department.•Manage a report for Field visits to companies and customers to verify and validity of the documents •Checking the companies and customer profile as per Product Programmed.•Ascertain that all work activities are correctly assigned and completed for achieving and exceeding sales targets thereby enhancing sales opportunities.•Play key role in developing Standard operating procedures for the department. •Proactively identify potential fraud in the application.•Automating all processes with operations and tackling with system.•Handle countrywide inflow of visit applications through MIS.•Tracking companies, which fail to abide by the terms and conditions of the bank so as to get the company black listed and no further exposure to be given to employees of those companies•Ensure department productivity met the targets as per defined policy through the effective development and management of the sales team. Keep abreast with all policies, procedures and regulations, and ensure its adherence by the staff members.

Dubai-United Arab Emirates

Worked as Credit Analyst -Checking & Analyzing loan documentations within stipulated Service Level Agreements, Recommending for credit limits on personal loans, under taking of contact point verification to confirm loan application details.•Analysis of Loan Applications Based on Product Programmed.•Ensuring Quality Documentation and Satisfactory Audit Rating.Pro•actively identify potential fraud in the application.•Exception identification for eligibility, pricing, information capture on the system & collateral compliance.•Processing and assessment of applications till approval.•Support and assistance to sales staff with current product program and credit criterion.•Handling of MIS and consolidation of data provided to higher authorities to ensure the accuracy and time management.•Field visits to companies and customers to ensure verification and validity of documents.•Ensure minimum error rate within specific and given turn around time.•Creating formal/informal feedback system to analyze the services performance and managing internal relationship to identify and rectifying possible deviations.•Processing of Liability Letters, Clearance Letters, Ensuring Quality Decision for Loans and Credit Cards.

Bachelor Of Computer Sciences Degree (B.C.S), Computer Science

Higher Secondary College