ELTAHIR ELSHAFIE ELFAKI AHMED
Credit Risk Analyst
ABU DHABI,+971543777126 / tahirz@hotmail.co.uk
Summary
Forward-thinking credit analyst with expertise in customer correspondence and credit analysis. 12+ years of experience resolving credit disputes and providing recommendations on bad debt accounts. Skilled in conducting background checks and developing methodologies to predict future risk behaviors. Seeking to contribute to a company's success through meticulous attention to detail and a deep understanding of regulatory procedures. Committed to securing a full-time position that offers professional challenges, utilizing strong interpersonal skills, excellent time management, and problem-solving abilities.
Overview
15
15
years of professional experience
Work History
Credit Analyst Quality and Control Officer
Citi Bank NA DUBAI
11.2012 - 09.2017
- Reporting Directly to the Vice President 'Head of Assets'
- Working as Credit Analyst for Sales Department (Credit Card & Loans Division)
- Quality & Control Officer by ensuring the quality service which will meet the Compliance requirements
- Accessing Etihad Bureau Services to manage & calculate customers liabilities
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
- Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Participated in loan committee meetings to provide input on lending processes.
- Provided key insights into risk management strategies, significantly contributing to firm's long-term financial stability.
- Enhanced decision-making speed and quality by implementing state-of-the-art financial analysis software and tools.
- Played pivotal role in negotiating terms with distressed accounts, recovering substantial amounts and preventing losses.
- Conducted comprehensive risk assessments for high-value accounts, significantly reducing potential losses.
- Led training sessions on advanced credit analysis techniques, elevating team expertise and performance.
- Enhanced loan portfolio quality by conducting detailed credit risk assessments on potential borrowers.
- Improved financial risk management with meticulous analysis of financial statements and market trends.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Performed credit reviews on corporations to assess financial conditions.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Complied with internal controls and government regulations.
- Maintained up-to-date knowledge about relevant laws, regulations, and industry trends affecting organizational controls.
- Managed a team of junior control officers, providing guidance and mentorship in their professional development.
- Improved control processes by implementing risk assessments and audits.
- Reviewed internal controls documentation, evaluating adequacy and suggesting improvements where necessary.
- Reduced operational risks through proactive identification and mitigation of potential issues.
- Participated in external audits as a representative for the company''s control functions, demonstrating compliance with all applicable requirements.
- Enhanced regulatory compliance by conducting thorough investigations and implementing corrective actions.
- Instant Processing for Cards & Loans Applications along with Account Opening Files
- Managing the required MIS & Reports in Daly basis
- Supporting Sales Team in required assistance
- Working closely with Branch Manager and Head of Credit to ensure the flow of work is going smoothly to meet customer expectation
- Latest Achievement: Awarded as 'Star of the Months' in April 2017 for a Superior Performance in Quality & Control Department from CITI Bank – Dubai UAE
- Awarded as 'Star of the Months' in November 2016 for a Superior Performance in Quality & Control Department from CITI Bank – Dubai UAE.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Business Development Manager
SADAD Company for Payments Solutions
04.2010 - 10.2012
- Business Planning and Development for the company
- IT Support and Computer Hardware & Software and Network Troubleshooting
- Creating new ideas for marketing and sales
- Leading some presentations & meetings related to any business contracts
- Managing the Distribution and locations of Payment Machines 'SADAD KIOSKS'
- Doing all accounts and calculations regarding payments kiosks profits and earnings.
- Increased client base by identifying new business opportunities and cultivating strong relationships with key decision makers.
- Developed customized solutions for clients based on a deep understanding of their unique pain points, delivering exceptional value and driving repeat business.
- Generated new business with marketing initiatives and strategic plans.
- Represented company and promoted products at conferences and industry events.
- Managed a diverse portfolio of accounts, consistently exceeding revenue targets through upselling strategies and exceptional customer service.
- Mentored junior team members in effective sales techniques, fostering a high-performance culture within the organization.
- Conducted comprehensive market research and analysis to identify emerging trends and potential areas of expansion.
- Collaborated closely with marketing teams to develop targeted campaigns that generated high-quality leads for the sales pipeline.
- Facilitated regular communication with clients to ensure their needs were met, fostering long-lasting relationships built on trust and mutual respect.
Senior Officer Sales
FIRST GULF BANK HQ
03.2006 - 03.2010
- Doing all buyout & Top Up cases related to UAE National along with their needs and requirements
- Working as Tele sales Agent in National Loans Department from Apr 2007 to May 2008
- Selling Fresh, Buyout and Top Up cases loans to UAE Nationals including Personal Credits Lines and Credit Cards
- Co-Operate with deferent department within the Bank such as Retail Credits, Operations, Collection & Recovery, SME and National Housing Loans
- Doing all calculations and financial issues related to National Loans Accounts & Transactions by using Banking Systems & Programs such as, 'GLOBUS and FINNONE' systems
- Co-Operate with the Branches and Customer Service Officers to finish and handle Customers cases
- Handling Customers problems and trying to solve it as much as I can
- Doing all Reports and Feed backs related to customer’s cases and deliver it to managers in charge
- Working as a backup Team Leader in a required situation.
- Established strong relationships with key clients to maintain customer loyalty and drive repeat business opportunities.
- Coached junior team members, fostering professional growth and improving overall team performance.
- Drove revenue growth by identifying new market opportunities and developing effective sales strategies to capitalize on them.
- Evaluated risks associated with potential investments, recommending viable options aligned with corporate goals.
- Delivered exceptional customer service by understanding client needs, providing tailored solutions, and maintaining open lines of communication throughout all stages of the project lifecycle.
- Provided strong leadership to enhance team productivity and morale.
- Optimized customer experience by delivering superior services and effectively troubleshooting issues.
- Evaluated customer needs and feedback to drive product and service improvements.
- Generated reports detailing findings and recommendations.
ICDL & IT Teacher
Global Institute
03.2004 - 02.2006
- Enhanced students'' problem-solving skills by incorporating real-world scenarios in lesson plans.
- Assessed student performance using various evaluation methods, providing constructive feedback for improvement opportunities.
- Implemented effective classroom management strategies, fostering a positive and inclusive learning environment.
- Boosted student confidence and independence through personalized learning approaches and one-on-one support.
- Trained and developed students' skills in word-processing, spreadsheet and database programs.
- Processed software and hardware by coordinating user setups, installations and upgrades.
- Tested and evaluated student progress to determine effectiveness and impact of teaching methods, materials and projects.
Hardware and Software Maintainer
ALBORIQ Computer Shop
03.2003 - 02.2004
- Reduced downtime for clients through prompt identification and resolution of technical issues.
- Diagnosed complex hardware issues using advanced troubleshooting techniques, minimizing service disruptions for clients.
- Provided remote support services to clients experiencing technical issues, resolving problems quickly and efficiently without the need for on-site visits.
- Enhanced network efficiency by implementing and maintaining hardware and software components.
- Optimized system performance with regular maintenance tasks, such as updating drivers and firmware.
- Replaced failed hardware in server rack systems, swapping hard disks, power supplies and other field serviceable components.
Education
Applied Business Computing - Computer Networks Implementation & Administration
Binary College
Malaysia04.2003
Skills
- Working with all systems under DOS, WINDOWS and NT
- Familiar with all Office applications (ACCESS, WORD, EXCELL, Power Point)
- Ability to work under pressure, work with several levels of management and learn new tasks quickly
- Successful track record in demanding, fast-paced environment requiring highly adaptive, flexible and resourceful management skills
- Excellent communication skills
- Risk Assessment
- Credit analysis
- Financial statement analysis
- Credit risk
- Data Analysis
- Verbal and written communication
- Self Motivation
Additional Information
Quit Person, Social Person, Hard Worker, Like to work in Group if available
Academic Qualifications & certificates
- Certificate of Completion in Fraud Awareness, UN & UN Agencies and UNICEF, 2023
- Certificate of achievement in Understanding Risk, World Bank Group, 2023
- Certificate of achievement in Forensic Accounting and Fraud Examination, West Virginia University, 2022
- Google Certifies in Google Analytics Certification, Google, 07/2023
- Statement of Participation in Risk Management, Open Learn University, 2023
- Certificate of achievement in Financial Market Analysis, International Monetary Fund, 2020
- Certificate of achievement in Risk Management and Credit Principles, New York Institute of Finance, 2020
- EMEA ONE CITI ANIT MONEY LAUNDERING, Citi Bank, 09/10/2012, Dubai, UAE
- EMEA LAWS & REGULATIONS UAE, Citi Bank, 11/02/2012, Dubai, UAE
- EMEA AML SANCTIONS & ANTI BIRBERY AND CORRUPTIONS, Citi Bank, 12/01/2012, Dubai, UAE
- Global Banking Awareness Training, Citi Bank, 08/30/2012, Dubai, UAE
- Loans & Mortgages Training Program, FIRST GULF BANK, 06/2008, Abu Dhabi, UAE
- CCNA “Cisco Certified Network Associate”, AIMS Training Center, 04/03/2012, Abu Dhabi, UAE
- Specialized Course in Networking Professional (N+), InfoTech Institute of Technology, 2004, Malaysia
- High Diploma in Applied Business Computing Specialized in Computer Networks Implementation & Administration, Binary College, 2003, Malaysia, UK
- High School graduate, Khalifa Bin Zaid Secondary School, 1998, Abu Dhabi, UAE
Personal Information
Visa Status: Resident Visa “Transferrable”
References
Will be provided upon request.
Languages
Arabic
Bilingual or Proficient (C2)
English
Bilingual or Proficient (C2)
Timeline
Credit Analyst Quality and Control Officer
Citi Bank NA DUBAI
11.2012 - 09.2017
Business Development Manager
SADAD Company for Payments Solutions
04.2010 - 10.2012
Senior Officer Sales
FIRST GULF BANK HQ
03.2006 - 03.2010
ICDL & IT Teacher
Global Institute
03.2004 - 02.2006
Hardware and Software Maintainer
ALBORIQ Computer Shop
03.2003 - 02.2004
Applied Business Computing - Computer Networks Implementation & Administration
Binary College
Similar Profiles
Mohammed Saad SayyedMohammed Saad Sayyed
Relationship Officer at Citi Bank DubaiRelationship Officer at Citi Bank Dubai
Reshma BiniReshma Bini
Client Service Manager at Citi Bank NaClient Service Manager at Citi Bank Na
Ramkumar KannanRamkumar Kannan
Salesforce Solution Architect at Citi Commercial Bank, NASalesforce Solution Architect at Citi Commercial Bank, NA