Harisudhan Chandrasekaran
Corporate Credit Officer
Dubai
Summary
Performance driven & result oriented Banking Professional with Domestic and International experience of 13 years in the areas of Trade Finance, Corporate & Retail Credit, Risk Management and all branch operations. Excel in dynamic, demanding environments while remaining pragmatic and focused.
Overview
13
13
years of professional experience
Work History
Credit Officer Corporate Credit Control
Commercial Bank of Dubai
Dubai
11.2015 - Current
- In corporate Credit Control, Credit Administration & Override
- Skilled at working independently and collaboratively in a team environment.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Adaptable and proficient in learning new concepts quickly and efficiently.
- Corporate Credit Disbursement, Monitoring and Control
- Managing Corporate Credit Risk Portfolio of all segments including Islamic loans
- Managing all activities after credit approval viz
- Documentation, Disbursement, Monitoring and Control
- Middle Office - Post Disbursement Monitoring and Control
- Monitoring all credit functions
- Approval for Disbursements from the existing/New approved facilities
- Early Warning Mechanism for entire Credit Portfolio
- Monitoring concentration risk
- In charge of all UAE Central Bank Reporting & updating Risk Bureau
- In charge of all Management reporting for Credit and Risk
- AECB, AML and other regulatory complaint resolution
- Managing Consumer Credit Risk Portfolio disbursements
- Monitoring the Early Warning, Provision and risk grading of Personal Portfolio
- Managing business banking portfolio documentation, disbursement and control
- Managed all disbursement, monitoring and control function of Corporate Portfolio
- Strengthened credit disbursement function of the bank
- Ensured high levels of security / checks & balances for limits set up and maintenance
- Ensured successful service delivery from Credit Control
- Centralized Override Unit
- Handling all insufficient/overdraft referrals viz., Clearing, Internal transfer cheques, Direct debit system, Cash cheques, Swift connect and all loan entries including credit card settlements
- Referring to the concerned team to get approval as per delegation matrix authorities with in stipulated timelines
- Maintaining Central bank TAT’s and internal TAT’s
City union bank Ltd
09.2010 - 11.2015
- Handled all Operations Functions
- Handled customer counter(front desk)service including cash, clearing, deposits & remittances
- Handled Trade Finance including export & import bills, remittances & reporting
- Handled high volume credit proposals (Pre-sanction/Credit underwriting)
- Handled ATM Cash loading and miscellaneous
Education
Graduate in Bachelor of Computer science - Information Technology
Bharathidasan University
System Knowledge Global Financial System (GFS- Both cash withdrawal & Limit input) Phoniex (core system) Pinacle system - undefined
TCS Software) Quartz (General Banking - undefined
Core banking (general banking) & Bank Trade (Trade finance) CTS (cheque truncation system) DDA (Direct debit system) Swift connect (Telegraphic Transfers) - undefined
Skills
Risk ManagementCorporate and Retail Credit
Limits and Collateral Management
Centralized override NSF ReferralsBranch operations (including ATM on/off Loading
Islamic Banking
Trade Finance
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Timeline
Credit Officer Corporate Credit Control
Commercial Bank of Dubai
11.2015 - Current
City union bank Ltd
09.2010 - 11.2015
Graduate in Bachelor of Computer science - Information Technology
Bharathidasan University