Iraj Ali
Credit Analyst
Dubai
Summary
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
2
2
years of professional experience
Work History
Support Credit Analyst
Bank Al Habib Limited
5 2017 - 2018.10
- Responsible for adequate screening of Consumer Loan proposals (Autos, Personal loan, Mortgage & Cash Finance) thoroughly according to policy parameters, marking related discrepancies and co-ordination with Branch management for smooth processing which includes Analysis of customer’s market firmness, financial statements, evaluation of ECIB/Data check, calculating DBR, scoring IRR by go through overall customer profile in view of Consumer-5 C’s, evaluate other business/employment related documents and other reports/docs in order to evaluate financial stability of customer and process case for loan approval/decline process by using analytical skills, making IOM's for approved cases and maintaining proper relevant record and IOM's of Approved Proposals and reporting on monthly basis or as per demand by higher management.
Credit Analyst
Faysal Bank Limited
2016.07 - 2017.04
- Responsible for adequate internal verification of customers in order to process the consumer product for decision
- Moreover, resolve the previous pending and rejected cases and verified again properly by using Telecard application, and verify nadra of each case properly by using verysis application as well
- Moreover, maintain the record of the entire assigned task separately and reporting to the manager on daily basis
- Responsible for adequate pre-screening of the cases of all products, such as verifying all the required documents i.e
- System authentication, nadra verysis, data check, current month of ECIB, concerned party list verifying, income documents and general information regarding the particular customer
- Manage office supplies stock and place orders Prepare regular reports on expenses and office budgets Maintain and update company databases Organize a filing system for important and confidential company documents Update office policies as needed Maintain the company calendar and schedule appointments.
Customer Success Analyst
United Bank Limited
2015.09 - 2016.07
- Entertain and guide customers accordingly regarding all banking product queries, also giving reply to customer with best resolution of customer’s query through email and also on call if required
- Entertain customers through web chat as web chat analyst within given TAT by Team leader and make record of all chats and common queries to be submitted
- Reporting to senior management and performing secretarial and administrative duties
- Typing, formatting, and editing reports, documents, and presentations
- Entering data, maintaining databases, and keeping records
- Liaising with internal departments, answering calls, and making travel arrangements
- Managing internal and external correspondence on behalf of senior management
- Scheduling appointments, maintaining events calendar, and sending reminders
- Copying, scanning, and emailing documents, as well as taking notes
- Preparing facilities for scheduled events and arranging refreshments, if required
- Ordering office supplies and replacements, as well as managing mail and courier services.
Education
Masters in International Relations -
University of Karachi
Karachi, PakistanB.COM -
University of Karachi
Karachi, PakistanCMA (Stage 4) -
Institute of Cost And Management Accountant
Skills
Loan Documentation
Financial statement review
Cash Flow analysis
Underwriting
Financial statement analysis
Risk Assessment
Data Analysis
Report Analysis
Information Verification
Debt structuring
Data Interpretation
High risk account reviews
Oral and written communications
Verbal and written communication
Statement Review
Data Compilation
Credit Scoring
Credit decisions
Collateral Valuation
Portfolio Management
Loan Evaluation
Credit programs
Credit policy development
Market Trend Analysis
Financial Forecasting
Quantitative Analysis
Time Management
Problem-Solving
Credit Card App
Microsoft Office
Languages
Urdu
English
Shortcourses
Training in Accounts, Finance & Taxation with Computerized Accounting Software including ERP and SAP
Achievements
- Recently organized own event with the name of Ehsaas-The point of realization-The biggest Youth Philanthropic Conference of the year 2013.
- Awarded Certificate of Appreciation for Karachi University Event named (Ehsaas).
References
It will be furnished upon request.
Timeline
Credit Analyst
Faysal Bank Limited
2016.07 - 2017.04
Customer Success Analyst
United Bank Limited
2015.09 - 2016.07
Support Credit Analyst
Bank Al Habib Limited
5 2017 - 2018.10
Masters in International Relations -
University of Karachi
B.COM -
University of Karachi
CMA (Stage 4) -
Institute of Cost And Management Accountant
Similar Profiles
SHAMS UDDINSHAMS UDDIN
Branch Supervisor at Bank Al-Habib LimitedBranch Supervisor at Bank Al-Habib Limited
Faraz Hasan (PMP)®Faraz Hasan (PMP)®
Project Manager at Bank AL Habib LimitedProject Manager at Bank AL Habib Limited
Ali AnumAli Anum
Senior Manager Operations at Bank AL Habib LimitedSenior Manager Operations at Bank AL Habib Limited