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.

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.
• Liaison with Credit Policy Department for policy modifications and transactional deviations.

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.

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.
• 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.

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

Higher Secondary College