Credit Analyst - Retail Banking

Joan S. delos Reyes

Sheikh Zayed Road, Dubai, UAE

Mobile no. +971-*********

Email address: adg1b5@r.postjobfree.com

Summary of Qualification:

MBA, result oriented, willing to learn new things, efficient and exposed on multi tasking with enhanced analytical skills gained through 9 years working experience in Banks and more than 2 years’ experience working in accounting firm.

Highlights:

● Retail Credit Monitoring / Credit underwriting ● Compliance

● Risk Management ● Reporting and Analysis

● Loan documentation ● Collection and Recovery

● Policy review ● Accounting and payroll processing

● Project management ● Office Administration

Career Objective:

To be part of reputed company that values professionalism amidst adversity and will offer opportunity for career advancement and professional growth. Work Experience:

Credit Analyst (November 19, 2019 up to June 2020) Finance House PJSC

Abu Dhabi, UAE

Responsible for evaluating loans and credit card applications / credit underwriting related to customers facility applications.

Reviews loan documents for accuracy, completeness, and adherence to approval conditions.

Makes calls to clients to obtain all necessary information and clarification on financial analysis materials and resources.

Participate in UAT for checking system’s designs related to effective credit processes and due diligence.

Evaluate and recommend installment deferment request and credit limit increase. Retail Credit Analyst (June 2013 up to October 2019) (From outsource staff [June2013] to direct hire since January 2015) Doha Bank, Dubai Branch

Dubai, UAE

Responsible for highlighting all kinds of risks involved in pre & post stages of credit documentation and approvals within policy parameters while monitoring existing credit lines through generation of reports and resolution of irregularities in operation of the advances.

Assist the Unit Head in reviewing the existing/new Retail Portfolio for all Retail products. Ensures that terms and conditions of Credit Approvals have been met prior to release/disbursal of credit facilities. Ensure TATs are ensured in terms of retail lending.

Preparation and analysis of MIS / Reports related to Retail Portfolio.

Generate and analyze AECB report of customers to determine eligibility for any retail facilities. Coordinate with Customer / AECB regarding report rectification.

Liaises with Retail Team to obtain and ensure that documentation (both standard & specific) as required in Bank’s policy & terms of sanction are perfect prior to release the credit facilities in the system.

Assist in conducting customer’s verification related to facilities being applied by customer according to Bank’s due diligence process and validate authenticity of information provided by customers.

Evaluate and check Company Listing Proposal before forwarding to Branch Credit Committee for approval to determine creditworthiness of a business and control sourcing to organizations within the market. Maintains MIS and update list of Bank’s approved company

(Tier companies) that is the primary source of Retail business.

Assist in collection and recovery of retail customers. Monitor collection report and ensure that customer is paying on time or the past dues will be recovered. Coordinate with customer for job loss / job change case to ensure that loan payment is within acceptable status. Coordinate with recovery agency for allocation of under settlement accounts for collection.

Preparation of memo / proposals related to customer’s request for re-scheduling loans and discounts for one time payment.

Jr. Systems Analyst (March 1, 2011 to March 15, 2013) Philippine National Bank formerly Allied Banking Corporation 6754 Ayala Avenue, Makati City, Philippines

Analyze internal policy and procedures to be considered in every Bank’s products and program according to Central Bank’s guidelines. Evaluates, maintains and improves efficiency of organization. Develops and implements new procedures, policies and paperwork to simplify and improve operations.

Assists in maintaining and communicating standards for policy and procedures writing and manual development by consulting and coordinating with concerned department. Edits policies, procedures and other materials for manuals. Participates in policy and procedure development to help ensure accuracy, consistency and clarity in administrative manuals.

Gather Data, conduct survey, make a research if necessary, analyze and prepare Operations Memorandum / Inter – Office communication as per documentation standards and according to departmental policies and procedures.

Ensure appropriate project management and control to keep all assigned projects on schedule. Accounting Staff/ Payroll Assistant (May 7, 2008 up to December 2010) BDO Alba Romeo & Co., - Business Outsourcing Solutions & Services (BOSS) Inc 7/F Multinational Bancorporation Centre

6805 Ayala Avenue, Makati City Philippines

Handled accounting and payroll related activities for clients such as Glaxosmithkline, La Farge Cement Philippines, Philippine Daily Inquirer, etc.

Assigned in documentation of BOSS Inc. SAS 70 (Statement of Auditing Standard No. 70) requirements - prepare and research for specified requirements. Studied and put into Visio diagram Standard Systems and Procedures of the company specifically control measures of every operations and service activities.

Administrative Assistant - responsible for arranging and monitoring of company’s Man- Power Complement, set meetings for prospective local and foreign clients, monitoring staff evaluation for regularization, updating clients list, assist in outsource staff concerns, summarizing staff‘s Time Reports.

Education Background:

Post College: Pamantasan ng Lungsod ng Maynila

2009 –2012 (University of the City of Manila)

Intramuros Manila, Philippines

Master in Business Administration (MBA)

College: Pamantasan ng Lungsod ng Maynila

2004-2008 (University of the City of Manila)

Bachelor of Science in Business Administration

Major in Economics

Personal Background:

AGE: 32

BIRTH DATE: January 15, 1988

GENDER: Female

CITIZENSHIP: Filipino (Philippines)

Character References:

Ms. May Nacisvalencia

Accountant

UAE Central Bank

Contact no. +971**-*******

Mr. Prem Noronha

Retail Credit Manager

Doha Bank, Dubai Branch

Contact no. +971**-*******

Mr. Allan Cubero

Manager, Regulatory Reporting and MIS

National Bank of Oman, Dubai Branch

Contact no. +971**-*******

Contact this candidate