Senior Credit officer– Retail Banking Group - Dubai

Sharjah Islamic Bank - Sharjah +923343432408 0557346215
Oct 2014 – Nov 2020
Senior Credit officer– Retail Banking Group – Secured and Unsecured Products
Retail Credit Department (Home Finance /Personal Finance / Credit Cards/ Auto Finance)
• To assist the credit policy team to ensure that the quality of the Retail Unsecured & Secured Portfolio is in line with the Retail Strategy
• To ensure policy decisions help create the right target portfolio in line with risk decision
• To translate the policies into the right underwriting and portfolio management standards
• Monitors credit quality and performance of all consumer products adjusting credit policies where necessary.
• Performing Supervisory checks for the team on proposals prepared and responsible for handling the team in absence of Assistant Manager
• Preparing detailed proposals highlighting the strengths and weakness that includes sufficient data to support financial Statement analysis and collateral evaluation of the application and ensuring that all loans are approved in compliance with established bank credit policies and procedures
• Establish the credit worthiness of companies with special emphasis on past borrowing relationship with the Bank capacity to borrow further, repayment capability, business profi

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