Summary
Overview
Work History
Education
Skills
Certification
Custom
Languages
References
Timeline
Generic
JEBIN JOHNS

JEBIN JOHNS

Dubai,U.A.E

Summary

Accomplished professional with expertise in customer service, problem solving, and strategic agility. Energetic Credit Analyst known for identifying financial risks and opportunities. Spearheaded initiatives that improved loan approval accuracy and reduced default rates. Demonstrates initiative and proficiency in project management, relationship management, and communication. Skilled in change management, due diligence, and data analysis with a focus on loan review processes and credit risk assessment. Adept at ensuring regulatory compliance and developing credit policies through advanced risk analysis techniques. Committed to enhancing time efficiency while pursuing career growth in financial services.

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Overview

18
18
years of professional experience
4
4
years of post-secondary education
1
1
Certification

Work History

Credit Analyst (Underwriting – Personal Loans, Credit Cards, Smart Loans, Auto Loans)

ABU DHABI COMMERCIAL BANK
Dubai
08.2014 - 05.2025
  • Evaluate customer profiles seeking retail credit facility in line with ADCB policies and procedures
  • Ensure quality evaluation on all applications with the agreed SLA and maintain a 0% processing error rate
  • Follow the escalations as approved and directed by the DLA
  • Participate actively in unit monthly meetings through suggestions on process improvements and market information
  • Develop and maintain reports
  • Make strategic recommendations based on the reports and reduce NPAs
  • Handle tasks and activities that’s outside the regular application evaluation role
  • Guiding and mentoring the pre-analysts and data entry staff in the amended policies, procedures and imparting knowledge on the risk aspects in retail banking
  • Recommend adjustments to the underwriting or collection policy or process to provide a better balance of risk and rewards whilst also monitor adherence to the consumer lending policy including exceptions to policy/procedure or risk tolerance

Credit Analyst (Underwriting) – Personal Loans

NATIONAL BANK OF RAS AL-KHAIMAH
Dubai
03.2012 - 05.2014
  • Provide a baseline assessment of Customer’s financial condition and making decisions on their credit worthiness
  • Analyzing/Assessing Customer Credit History and Financial Statements
  • Assessing Credit risk in retail personal loans
  • Creating Proposals for New(Deviation cases) Personal loans and Reschedule loans
  • Providing quality service to internal customers(Sales & Branches) through undertaking risk assessment analysis of various types of lending proposals
  • Analyzing financial information, such as bank statements and assessing the credit worthiness of various customers
  • Preparing of Daily Pending and EOD Reports
  • Acted as main point of contact for the Personal Loan – Credit Helpdesk
  • Advising and recommending changes to policy and procedure
  • Liaising with other staff within the company to avoid any sort of customer complaints
  • Helping to ensure that procedures comply with sector standards

Financial Analyst for Northern Trust Global Investments (NTGI)

NORTHERN TRUST OPERATING SERVICES
07.2010 - 02.2012
  • Company Overview: Northern Trust is a global leader in asset management, asset servicing, wealth management and banking. Headquartered in Chicago Illinois, USA, it provides investment banking, asset and fund administration, fiduciary and banking services.
  • Responsible for ensuring a thorough reconciliation of portfolios on a daily basis.
  • Updating the daily reports from different regions into the Investment bankers accounts.
  • Exceptions investigation and forming corrective steps
  • Ensuring the daily operations are carried out as per the audit guidelines
  • Training new partners on the Global Recon Process
  • Taking part and handling new transitions activities migrated from Chicago and London
  • Building rapport with partner areas primarily from Chicago and London for ensuring smooth running of the process with the transition phase activities
  • Northern Trust is a global leader in asset management, asset servicing, wealth management and banking. Headquartered in Chicago Illinois, USA, it provides investment banking, asset and fund administration, fiduciary and banking services.

Customer Service for British Telecommunication

INFOSYS TECHNOLOGIES LIMITED
Bangalore
09.2007 - 09.2008
  • Company Overview: Infosys Technologies Limited is the second largest IT Company in India headquartered in Bangalore. It has offices in 22 countries and development centers in India, China, Australia, Canada, UK and Japan.
  • Updating customer information on the database
  • Assisted in testing of new processing software and coordinating training schemes
  • Created databases of leads for periodic follow-up with key clients
  • Assisted in floor training of students by explaining the computer calling software and the techniques of pitching campaigns
  • Proactively interacted with potential clients to identify individuals who were best candidates for our products and services.
  • Was involved in part of a group that aided in the cost cutting activities for British Telecommunication
  • Provided exceptional service to external and internal customers
  • Infosys Technologies Limited is the second largest IT Company in India headquartered in Bangalore. It has offices in 22 countries and development centers in India, China, Australia, Canada, UK and Japan.

Education

MASTERS IN SCIENCE - International Banking and Finance

University of Strathclyde
01.2008 - 01.2009

BACHELOR IN COMMERCE -

Bangalore University
Bangalore
01.2004 - 01.2007

Skills

  • Customer Service
  • Problem Solving
  • Strategic Agility
  • Initiative
  • Project Management
  • Relationship Management
  • Communication
  • Change Management
  • Due Diligence
  • Data Analysis
  • Loan review processes
  • Credit risk assessment
  • Regulatory compliance
  • Credit policy development
  • Risk analysis techniques
  • Time efficiency

Certification

  • AML (Anti-Money Laundering) Training, Oracle Rak Bank, 03/01/12, Dubai, UAE
  • Finacle (Core Banking) Certification Program, RAK Bank, 06/01/13, Dubai, UAE
  • Islamic Banking Certification, ADCB, 10/01/21, Dubai, UAE

Custom

Over 12 years of experience in Credit Risk Management, Underwriting, AML and Compliance. Strong business acumen with in-depth background around banking retail industry. Superior project management and prioritization skills with critical thinking abilities and a high attention to detail. High focus on promoting a risk awareness within the organization through consultancy and engagement. Strong team player with demonstrated leadership skills. Completed Masters in Science, specialized in International Banking and Finance.

Languages

Hindi
Fluent
Malayalam
Native
English
Fluent
Arabic
Beginner

References

References available upon request.

Timeline

Credit Analyst (Underwriting – Personal Loans, Credit Cards, Smart Loans, Auto Loans)

ABU DHABI COMMERCIAL BANK
08.2014 - 05.2025

Credit Analyst (Underwriting) – Personal Loans

NATIONAL BANK OF RAS AL-KHAIMAH
03.2012 - 05.2014

Financial Analyst for Northern Trust Global Investments (NTGI)

NORTHERN TRUST OPERATING SERVICES
07.2010 - 02.2012

MASTERS IN SCIENCE - International Banking and Finance

University of Strathclyde
01.2008 - 01.2009

Customer Service for British Telecommunication

INFOSYS TECHNOLOGIES LIMITED
09.2007 - 09.2008

BACHELOR IN COMMERCE -

Bangalore University
01.2004 - 01.2007

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JEBIN JOHNS