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Officer Manager

Doha, Qatar
June 14, 2020

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I’m writing this letter to apply for Admin and logistic officer role. I have enclosed my profile outlining my experience that explains why I feel I would be an excellent addition to your company. I am having following capabilities-

•An understanding of the importance of involving co-workers and upper-management when making important decisions.

•Strong communication and analytical skills.

•The ability to work in a fast-paced environment that’s constantly changing. In addition to that I have also served as Senior Trade Finance officer in Mashreq Head Office, Dubai, U.A.E and is well versant with the UCP rules and regulations, banking policies and procedures. I’m self-motivated, initiative and enthusiastic. I’m sure I have legal qualification and experience needed to fill this position.

I’m looking forward for discussing my experience in more detail. Please contact me by phone at 009***********/009***********,or email me at to set a date and time for an interview.





Flat No. 112, Silicon Heights 1, Near Le Solarium Tower, Dubai Silicon Oasis-341041 Mobile – 050-*******/Tel – 055-*******

Email: -


A Credit Analyst seeking suitable opportunities in any banks, FI’S, NBFC’s or any organization. Specialized in assessment of loan applicant’s credit worthiness in relevance to Personal Loan, Credit cards, Mortgage loans, Auto loans and other finance loans. CAREER PROGRESSION –

RAK Bank dubai– July 2016 – Till date

At present working as Credit Analyst

Responsible for initial processing of loan ( Personal,RFL,AMAL) as data entry processor.

Responsible for complete end to end disbursal of all loans such as Personal, RAK Finance (RFL),AMAL and auto.

Complete a Thorough, in-depth analysis of new credit requests, credit change requests, renewals and annual relationship reviews. Recommend risk rating charges when analysis merits.

Deliver meaningful, detailed credit analysis while providing efficient, timely service to loan officers.

Prepare spread sheets, reports, summarizes and opinions for lenders on new, renewal existing loans.

Maintain a good working knowledge of banks’ lending policies and procedures and identify exceptions to policy.

Ensure that all credit files are complete, identify any documentation deficiencies and report loan officer and credit administration as needed for timely resolution.

Review loan files as needed to ensure quality, consistency and compliance with lending guidelines.

Other duties as assigned by supervisors.

Work with loan officer to anticipate, identify and collect documents needed for efficient, and timely approvals on new and existing credits.

Assist in maintaining the credit tracking system for all commercial loans.

To process customer requests whilst ensuring delivery of quality service to internal and external customers, by adhering to TAT, SLA & internal (Operating Procedures) and external (Central Bank) guidelines laid down.

Carry out all operational tasks, Collection Reschedule Analyst tasks, ensuring all activities are completed within timescales and with a high degree of accuracy while adhering to Banks policy and process.

Archive all appropriate files and documents manually or electronically as instructed, so that they can be located at a later date.

Diarise customers’ request/follow-ups and process the requests on required dates.

Escalate promptly if any irregularities/incident that may lead to risk or financial loss.

Perform any other duties or tasks required or instructed by the officer / manager to support the smooth operation of the department.

KBC Aldini Group, DIFC, Dubai, U.A.E (Investment banking comp. in DIFC) August 2016 – July 2017

Operations Manager in Trade Finance Department

Key Roles

A Trade Finance product specialist with responsibility for overseeing performance, service quality and control environment of the unit. Lead and deliver targeted results across dimensions of customer service as well. The role involves significant interaction with Trade Finance product and business leads within and managing strategic relationship. 2

A) Financial

Defining and executing operational strategy to support the company’s overall business strategies. B) Customer

Ensure the provision of adequate and efficient processing services pertaining to Clients, resolving their queries/ problems and thereby help them serve their respective external customers in a more efficient manner.

Develop/ finalize Service Level Agreements (SLAs) with internal departments/ units to achieve improvements in turnaround time (TAT) with respect to processing of transactions for the respective departments/ divisions/ units. C) Internal (Process, Product and Regulatory)

Ensure the existence of adequate and robust processes and controls (automated/ manual) to ensure compliance with applicable rules and regulations.

Monitor and assess the Business Operations by reviewing daily exception reports and discussing significant matters with the heads of departments.

Evaluate existing as well as new products/ services and provide recommendations on ways to improve the effectiveness/ efficiency of the transactions related to the same.

Provide professional direction/advice on all trade finance related matters within the unit/Bank.

Ensure system and quality enhancements by monitoring the respective activities and processes implemented, and by keeping abreast with new methodologies and practices.

Process transactions for issuing of guarantees, amendment, cancellation, lodgment of claims and payment within the limit as per the credit policy. Handle Swifts/ Telexes of transactions relating to bank guarantees.

Liaise inside and outside the department in order to improve service quality and for Bank Guarantees services.

Accurately process ordinary transactions relating to advising, amendment and cancellation of Export Letters of Credit and ensure work accomplishment in strict compliance with International Chamber of Commerce Rules and Bank's policies and procedures.

Input transactions for advising, confirmation, amendment on Export Letters of Credit on a timely basis. MashreqBank,Dubai,U.A.E

May 2014 – June 2016

Specialist/Officer in Trade Finance at Foreign Trade Center (FTC Division) in Mashreq Bank, H.O. Mashreq is one of the leading private banks in Dubai having network of Correspondent Banking branches and representative offices with global presence spanning 10 countries outside of the UAE with 11 branches/offices at major business centers around the world having presence across Europe, North America, Asia and Africa. At present working as Letter of Credit Confirmation Desk Officer in Mashreq bank, Head Office in Dubai A. Key responsibilities and duties as Senior LC Confirmation Desk Officer

Lead Role in Trade Finance / Letters of Credit associated with sales and purchase contract including annual review and selection of trade finance banks, relationship with banks, Export of LC issuance, LC pricing and related charges, Nomination of LC Confirming banks. LC Documentation and examination, payments and discounting and other associated functions.

Reviewing and Scrutinizing of LC's in terms of onerous clauses, pricing, acceptable payments and shipment period and LC Terms.

Verifying the clauses in the LC and ensuring that these are in line with latest UCPDC, UCP version.

Seeking necessary amendments in the LC's and ensuring proper receipt of all amendments sought in the LC.

Checking and ensuring if sufficient limits are in place to accommodate the LC transaction, Checking expiry dates of the credit proposal and limits allotted and above all ensuring that requisite approval is in place to go ahead and confirm the LC.

Ensuring strict compliance before confirmation of any LC from the compliance team.

Providing buyers with workable export LC Drafts for LC opening and negotiation of LC terms in line with contracts and LC workability.

Close Co-ordination with back office of buyers and timely issuance of workable letters of credit prior to shipments and amendments if needed after detailed scrutinizing of LC.

Confirmation of LCs, Ensuring timely issuance of transport documents and other LC documents.

Accurate examination of documents to ensure no discrepancies and timely presentation of complying documents to banks.

B). Key Responsibilities as a Senior Credit, Recovery and Legal Officer at Mashreq Bank, Mumbai, India July 2005 – April 2014

Monitoring suit filed accounts.

Attending to various hearings in different courts v.i.z Debt Recovery Tribunals, Sessions Court, Esplanade Court, Debt Recovery Appellate Tribunals, Bombay City Civil Court, Small Causes Court within Mumbai and updating the recovery status to senior management.

Continuous follow up and laisioning with Legal counsels on the recovery prospects and fixing and attending 3

meetings, conferences with them.

Officially attending various sites (disputed properties in possession of the bank) with other legal counsels and assessing the scope of recovery in consultation with legal experts.

Responsible for reporting MIS’s to H.O. Dubai on recovery status and scope.

Updating and sending various MIS’s to RBI periodically on the latest recovery status with future course of action and attending to their queries on legal.

Attending to Reserve Bank of India and H.O. audit queries during inspection on legal and recovery cases.

Monitoring MIS and follow up of Central Liability Ledger, overdraft, excess reports, Past Dues Report and General Error report and taking necessary action and regulating it.

Preparing Credit Reports and doing follow-ups and meetings to meet credit volumes.

Monitoring of fixed deposits under lien for bank's advances.

Preparing Compliances for audit queries raised by concurrent auditors. C) Other Responsibilities with the bank as a Compliance Officer at Mashreq Bank, Mumbai, India July 2009 - April 2014

Develops, initiates, maintains, and revises policies and procedures for the general operation of the Compliance Program and its related activities to prevent illegal, unethical, or improper conduct. Manages day-to-day operation of the Program.

Develops and periodically reviews and updates Standards of Conduct to ensure continuing currency and relevance in providing guidance to management and employees.

Collaborates with other departments (e.g., Risk Management, Internal Audit, Employee Services, etc.) to direct compliance issues to appropriate existing channels for investigation and resolution.

Responds to alleged violations of rules, regulations, policies, procedures, and Standards of Conduct by evaluating or recommending the initiation of investigative procedures. Develops and oversees a system for uniform handling of such violations.

Acts as an independent review and evaluation body to ensure that compliance Issues/concerns within the organization are being appropriately evaluated, investigated and resolved.

Monitors, and as necessary, coordinates compliance activities of other departments to remain abreast of the status of all compliance activities and to identify trends.

Identifies potential areas of compliance vulnerability and risk; develops/implements corrective action plans for resolution of problematic issues, and provides general guidance on how to avoid or deal with similar situations in the future.

Provides reports on a regular basis, and as directed or requested, to keep the Corporate Compliance Committee of the Board and senior management informed of the operation and progress of compliance efforts.

Ensures proper reporting of violations or potential violations to duly authorized enforcement agencies as appropriate and/or required.

D). Other Major Responsibilities within Credit Administration Department

Various MIS Reporting to Reserve Bank Of India and H.O. on Monthly, Quarterly and Yearly basis. E) Academic Qualifications

ACAMS course completion from Zabeel Institute Dubai, U.A.E

Bachelor of Law (LL.B) from Bhartiya Vidhyapeeth University, Pune, Maharashtra, India (2009-2012).

Bachelor of Commerce (Financial Accounts, Auditing and Income Tax and Practice) from University of Calicut, Kerala, India in 2000.

Pre-Degree from Calicut University in 1997.

A.I.S.S.E from C.B.S.E Delhi Board in 1995.

F) Nominations

Was nominated for providing training to TCS (Tata Consultancy Unit, Trade Operations) team in Chennai, India on LC Confirmation process.

G) Technical Qualifications -

Diploma from National Institute of Information Technology (DNIIT from NIIT, Thrissur, Kerala, India) in 2002.

Certifications and Specializations in MS Office Packages includes MS Word, MS Excel and MS Power Point and Programming Languages- SQL, JAVA,C++,VB,VC++,C#, RED HAT LINUX supported with various LIVE projects. I) PERSONAL DETAILS

Nationality – Indian

DOB – 27-03-1979

Religion – Hindu

Caste – Nair

Languages Known - English, Hindi, Urdu, Malayalam and Marathi .

Marital Status – Married


Permanent Address in India – E-201, Periwinkle Building, Near Cinemax Theatre, Beverly park, Mira Road – East, Thane, Maharashtra – 401 107.

Passport No- L8947721

Date. of Expiry- 24-04-2024.

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