Training Credit
Resume:
SUMMARY
I have ** years of banking experience in the Risk Management “Credit Risk Team”. I have worked with several reputed banks such as Mashreq, Emirates NBD, United Arab Bank (UAB) and National Bank of Ras Al Khaimah (RAK Bank). Within these years I have enhanced and diversified my knowledge in Retail, Small Medium Enterprise (SME), Wholesale/Corporate Banking Divisions. I am well versed with analysis of several products within norms such as Mortgage Loan, Personal Loans, Credit Cards, Overdrafts, Business Loans, Loans for Working Capital, Trade Finance Facilities, Commercial/ Heavy Vehicles and Equipment, Profession/Medical Equipment Divisions.
PERSONAL INFO
Date of Birth: 19/06/1985
Sex: Female
Nationality: Indian
Languages Known: English & Hindi
Visa Status: Employment Visa
Driving License: Holding a valid U.A.E. driving license
TRAINING & CERTIFICATION
Certification done for Advanced Financial Statement Training
Certification done for Fraud Awareness Training
On job training taken to process trade facility applications for product such as LBD, Bill Discounting, Invoice Discounting, Letter of Credit and Letter of Guarantee
EDUCATION
Currently pursuing CFA Level 1,
PricewaterhouseCoopers Academy (PWC)
Business Administration, Specializing in Accounting & Finance
American Heritage University, Southern California
HSC Level – 80%
SSC Level – 73%
Indian High School, Dubai – UAE
KEY SKILLS
Risk Management
Credit Analysis
Financial Analysis
Financial Risk
MS Office
RAHILA SHAIKH
******.**********@*****.***
EXPERIENCE
NATIONAL BANK OF RAS AL KHAIMAH
CREDIT ANALYST- ASSET BUSINESS FINANCE
APRIL 2016 - PRESENT
Evaluation of Wholesale Banking Products
Commercial Light/Heavy Assets & Equipment
Professional Equipment & Medical Equipment
Small Medium Enterprise Loans (Limits assigned for various kind of trade finance facilities)
Preparation of Credit Proposal for Used/New Identified/Unidentified Assets.
Limits set for Used/New Assets basis eligibility as per Bank Statement or Audited Financials of the Company.
Audited Financials of the Company are reviewed to set limits. Various parameters are checked to set limits such as Revenues/Profits, EBITA, Ratio Analysis, Assessment of Working Capital by analyzing the Cash Conversion Cycle of the Company, Profit Analysis, Receivables and Inventory Ageing, Debt Service Ratio, Return on Equity, Return of Investment. Also a 5 year projections are set for the company basis past and present financial credentials of the company.
Bank Statement of the Company are reviewed to set limits. Various parameters are checked to set limits such as Annual/Monthly Net Turnover, Average Daily/Monthly Balances, Account Conduct i.e. Inward /Outward return cheques, past dues and delinquency, Prompt repayment history, Business Module etc.
Loan to Value (LTV) i.e. 90%/80%70% basis norms. Drawdowns of limits basis norms.
Satisfactory Customer Point Verifications, Reference Checks. Assessing market value of asset through approved dealers are few other checks that are performed.
Preparation of Moody’s spreadsheet on the basis of Audited Financials.
Various system related checks such as Central Bank Report, Etihad Credit Bureau, Emcredit.
Ensure cases are processed within compliance and fraud parameters.
Various comparisons are done for liquidity, profitability and credit histories of an establishment.
Reviewing of legal documents, confirming its validity and authenticity such as Memorandum of Association, Trade Licenses, Chamber of Commerce certificate, Share certificates, Article of Associations, Power of Attorney, KYC document.
Additional Monthly Activities:
Preparation of various kind of Monthly MIS
Deferral Approvals.
Preparation of various kind of memos such as Restructuring, Rescheduling and Provision Memos
Amendments of Credit Proposals, Renewing of limits, Enhancement of limits.
UNITED ARAB BANK
CREDIT ANALYST – CREDIT RISK (SME)
MAY 2012 – MAR 2016
Evaluation of SME Product
Business Loans
Trade Finance Facilities
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money to organizations
In depth review of Audited financials- Ratio analysis, assessment of working capital requirement, Cash Conversion Cycle. Profits, ageing of receivables and Inventory.
Central Bank Check, Emcredit Check, Repayment on other bank borrowings, Ensure cases are processed within compliance and fraud parameters. Compare liquidity, profitability and credit histories of establishment.
Bank Statement analysis- Annual turnover & net turnover. Return cheques, Repayment on other loans, Average monthly Turnover, Transfers etc
To review legal documents and confirms its validity and authenticity such as Memorandum of Association, Trade Licenses, Chamber of Commerce certificate, Share certificates, Article of Associations, Power of Attorney, KYC documents
Credit visit is done once case is satisfactory analyzed- During credit visit, stocks are verified, business transactions verified. Once visit satisfactory case is further recommended to Head of Credit for approval.
Complete loan applications, including credit analyses and summaries of loan request, and submit to loan committees for approval.
Additional Monthly Activities:
a)Preparation of Monthly SME Dashboard.
b)Maintaining all kind of monthly MIS for SME (Monthly Log In, Skip & Delinquent Accounts)
c)Reporting of write off and provisions in existing book, reporting of NPL’s (Classified accounts)
d)Central Bank updates on – Modification/Addition of new and existing accounts, Downgrading/Upgrading accounts, Risk Rating (Upgrade/Downgrading)
ENBD
CREDIT ANALYST – CREDIT RISK (SME)
SEP 2011 – APR 2012
Evaluation of SME Product
Business Loans,
Merchant Loans,
Loan against Gold & Personal Loans for Self-Employed
Bank statement analysis- Computation of Annual turnover and average monthly turnover.
Central Bank & Embounce Reports
Reviewing legal documents and confirms its validity and authenticity such as Memorandum of Association, Trade Licenses, Chamber of Commerce certificate, Share certificates, Article of Associations, Power of Attorney, KYC documents
Cases are evaluated within the policy norms for the requested product.
Review of Audited financials- working capital assessment, ageing report for receivables and inventory, ratio analysis, gross and net profits.
Visit request initiation upon satisfactory analysis
Telephone verifications done for: Home Country, Local References, Market Check etc
Quality cases are processed with the given TAT
MASHREQ
CREDIT EVALUATOR – CREDIT RISK (SME)
APR 2008 – AUG 2011
Evaluation of
Business Loans
Personal Loans
Credit Cards
Revolving Overdraft (ROD)
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money to either the organizations for SME products or individuals for retail products
Evaluate customer records and recommend payment plans based on the earnings, payment history and debt service ratio. Complete evaluation as per credit criteria
Cases are processed within the given TAT
Review individual or commercial customer files to identify and select delinquent accounts for collection. The same is then reported to collection team.
Cases are processed with minimum errors. As per defined quality standards.
Manually cases evaluated and loan setups done on the system
DELEGATED ADDITIONAL RESPONSIBILITIES
a)Distribution of cases within the team
b)Preparation of MIS report & Deviations sheet Development
c)System change as per new policy implementation – UAT
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