AISHA ALAM NAQVI
BANKER
SHARJAH,UAE
Summary
To Explore Opportunities in banking industry, to utilize my skills and abilities that offers professional growth, a passion to achieve goals and a desire to get the best out of the people around. Summary Total of 17 years of Operational experience in UAE Banking Industry. An excellent communicator with analyzing and problem-solving skills.
Overview
17
17
years of professional experience
Work history
Credit Control and Administration Specialist
Sharjah Islamic Bank
Sharjah, UAE
09.2017 - Current
- Reviews and analyzes credit documentation for various financial products and services, ensuring that they align with Islamic finance principles and are compliant with internal policies and regulatory guidelines.
- Collaborates with the Sharia advisory team to ensure that all credit transactions and documents adhere to Sharia principles, avoiding any non-compliant elements.
- Collaborates with credit analysts and relationship managers to understand the credit proposal, terms, and conditions, ensuring that the documentation accurately reflects the agreed-upon terms.
- Liaise with legal teams to ensure that credit documentation accurately reflects legal agreements, contractual obligations, and any necessary terms and conditions.
- Ensures all security, support and legal documents have been properly executed, signatures are verified, and authenticities of the signatories are supported by resolution/POA.
- Ensures approval from relevant authorities is held for deferrals/waiver of any incomplete documents.
- Identifying potential risks related to documentation, collateral, or security, and taking appropriate measures to mitigate such risks.
- Staying updated with Central Bank regulatory changes and ensuring that all documentation processes are in compliance with applicable laws and regulations
- Identifying opportunities for process improvement, efficiency, and automation in document management and suggesting appropriate enhancements advising Credit Control Unit for release of credit lines in the Bank's T24 system.
Credit Operation Officer
The National Bank of Ras Al Khaimah, RAK Bank
Dubai
02.2011 - 08.2017
- Issuance of Islamic and conventional Facility offer Letter to SME and Corporate Customers
- Checking SME and Corporate Customer's borrowing documents
- Checking of security documents and covenants
- Custodian of vault keys
- Reconciliation of hold cases fortnightly
- Checking and verifying the correctness of monthly deficiency reports
- Issuance of reminder letters to customers
- Preparation of mortgage documents for properties at different emirates
- Vetting of Syndication documents
- Deftness in ensuring adherence to the SLA between business and operations
- Half yearly processes review, Leading, mentoring & monitoring the performance of the team members to ensure the efficiency in the process operations and meeting of individual and team target.
- Analysed operations data to identify process gaps and successfully implement change.
Credit Administration Executive
Abu Dhabi Commercial Bank, ADCB
Dubai
09.2007 - 01.2011
- Checking and Disbursing of Smart Loan, Auto Loan (Conventional/Islamic) and SME Loans through various banking system applications such as Laps, Flexcube and FCI
- Passing the entries for Collection-Credit Cards and Loans, Recovery, Refunds, Account maintenance (Change of Due dates, Interest Rates, deferments of EMI etc.) through Flexcube system
- Writing Off the defaulters/dead Accounts through FCR system
- Posting of recoveries entries on Debt Management system (DM)
- Printing of Cheques through Clearing system
- Preparation of Terms Deposits (Conventional/Islamic) through Flexcube and FCI
- Placing of Lien on Term Deposits through Flexcube and FCI
- Opening of CASA Account through Omni Flow system
Coordinator
FUTECH PROJECTS Pvt Ltd
New Delhi, India
08.2005 - 06.2007
- Worked with department managers in writing and placing job vacancy ads
- Assisted in screening resumes and interviewing candidates
- Conducts new employee orientation
- Works with HR manager to participate in salary and benefits surveys.
Education
Masters in Economics - Economics
Aligarh Muslim University
Aligarh /2003 - /2005
Bachelor in Economics - Economics
Aligarh Muslim University
Aligarh /2000 - /2003
Sr. Secondary School - Social Science
Aligarh Muslim University
Aligarh /1998 - /2000
Skills
- Operational processes
- Credit checks
- Microsoft Office
- Strong problem solver
- Understanding of the following Systems/Applications
i T24
ii Ultimus
iii DMS
iv Finacle
v Flexcube
vi Laps
vii FCI
viii FCR
ix DM
x Clearing System and Omni Flow
Languages
English
Advanced
Accomplishments
I CAUGHT YOU AWARD (from RAK Bank) for valuable contribution given towards the following:
- Syndicated loans.
- Multi-tasking by handling Corporate, SME and Cash Against Cash desks during days of high volumes.
- Processing high volumes of SME disbursals.
- Handling increased SME volumes, multi-tasking and proactively assisting in other areas of Cash Against Cash, Corporate & RAK Finance during days of high volumes.
Timeline
Credit Control and Administration Specialist
Sharjah Islamic Bank
09.2017 - Current
Credit Operation Officer
The National Bank of Ras Al Khaimah, RAK Bank
02.2011 - 08.2017
Credit Administration Executive
Abu Dhabi Commercial Bank, ADCB
09.2007 - 01.2011
Coordinator
FUTECH PROJECTS Pvt Ltd
08.2005 - 06.2007
Masters in Economics - Economics
Aligarh Muslim University
/2003 - /2005
Bachelor in Economics - Economics
Aligarh Muslim University
/2000 - /2003
Sr. Secondary School - Social Science
Aligarh Muslim University
/1998 - /2000