Hi, I’m
Josiah Mark Almeida
Banker
Abu Dhabi ,United Arab Emirates
Summary
Result-oriented diligent banking professional with over 10+ years of experience in the capacity of a Credit Analyst, Process Supervisor, Documentation controller dealing with the different internal and external stakeholders.
Strong Finance Professional with a Master’s degree and experience focused in Banking, Finance and Securities Law. Confident and organized in helping consumers navigate sometimes-complex systems e.g. such as FINACLE, GLCMS, CRM, T24, CAPS, S.W.I.F.T, ORACLE, CBRB, CBBL, NEWGEN and ETIHAD BUREAU to achieve financial goals and boost banks profitability
Overview
13
years of professional experience
Work History
Al Masraf BankAbu Dhabi , United Arab Emirates
Credit Analyst
03.2022 - Current
Job overview
- Harnessed credit market knowledge to inform lending decisions.
- Employed analytics in determining attractive investment opportunities within assigned portfolios.
- Built scalable risk management and monitoring processes to meet credit needs.
- Analysed past financial statements and bad loans, aiding future risk assessments.
- Controlled credit exposure by reviewing repayment plans, minimising risk and obtaining timely payment.
- Observed industry trends and patterns and recommended changes to credit risk ratings.
- Reviewed customer history and company financials before processing credit applications.
- Made decisions and recommendations about extending lines of credit to clients.
- Evaluated client credit check outcomes to provide complete financial advice.
- Updated client records with successful credit and loan applications.
- Leading the project in implementation of straight through process of credit card and loan processing for better customer experience.
- Making sure the systems are functioning in according to bank policies regulated by the Central Bank.
- contunial
First Abu Dhabi Bank (FAB) Abu Dhabi, United Arab Emirates
Senior Officer (Acting Manager) – Credit Control
07.2019 - 12.2021
Job overview
- Encoding, activation and authorizing of limits in GLCMS based on Credit Applications and Facility offer letter (FOL) released by the Documentation Unit.
- Provide specialized support to the Coverage, Credit and restructuring teams (PCG & HNI) located at the Head Office (AUH) and the Northern Emirate branches on the processing and administration of approved limits
- BAU includes updating of GLCMS limit structure, customer ratings & grade change, discounting & dropping of project payment certificates (PPC), suspension of interest, liability/no liability certificates, fee collection, loan maintenance such as loan drawdowns, settlements, rescheduling and deferrals, preparation of internal memos (IMO)to Ops Team and various other limit control related tasks.
- Updating the Central Bank Credit Bureau (CBRB) system, based on the company performance report received from credit.
- Apart from the above, have been entrusted with various UAT’s and process enhancement projects along with the submission of various high profile reports.
- Closely corresponding with international credit units to process limits in-line with the local regulations of their respective jurisdictions.
- Participating and developing new ideas as well as ensuring the policies and procedures are followed in line with the standard operating procedure (SOP).
- Undertaken the CAD Cultural Roadshow as a special projects.
Union National BankAbu Dhabi, United Arab Emirates
Officer – Credit Analyist
04.2014 - 05.2019
Job overview
- Credit Card Applications and car mortgage release in accordance with the Bank’s Policy verifying for authentication and completeness of original documentation and bank statements
- Analyzing the applicant’s capabilities to repay credit lines by conducting a thorough assessment on the applicant’s credit worthiness in line with the ETIHAD BUREAU report and credit score.
- Rescheduling of client’s personal loans within the bank’s interface and processing of vehicle mortgages by coordinating with the Road and Transport Authority (RTA) Department.
- Handling the entire Credit Card internal process from the onboarding of a credit card application, it’s maintenance, related credit limit modifications and credit card closures.
- Ensuring all financial and non-financial parameters are met with adequate sign-offs of the relevant stakeholders while not breaching the agreed TAT and simultaneously submitting daily, weekly and bi-annual reports to the higher management.
National Bank of Ras Al KhamiahDubai , United Arab Emirates
Operation Assistant – Risk and Documentation Unit
05.2012 - 03.2014
Job overview
- Processing SME and Credit Card Applications in Accordance with the credit cards policy and necessary documentation and fraud checks.
- Preparing credit analysis reports on UAE and Expat Loans (Buyout, Fresh, Reschedule & Rectifications) based on Secured and Unsecured Credit Cards to release EOSB in line with the SLA.
- Processing of all Limit modifications within the Banks internal systems in accordance with the credit cards security policies and customers Delinquency Ratio.
- Ensuring risk mitigation by proper CPV conducted on applicants by monitoring and reporting in case of discrepancies.
- Monitoring client database through compiling, sorting and filing records.
Bank of Newyork Mellon Pune , India
Operation Executive for CIBC @ (BNY Mellon India)
05.2010 - 11.2011
Job overview
- Working on Global Capital Markets Securities (Canadian, DTC and other Global Market Securities.
- Ensuring accuracy in modifying/booking/cancelling trades, foreign exchange transactions, currency movement and wire based on instructions received from clients and investment managers.
- Analyzing, verifying and settlement of various global trades and cash movements via S.W.I.F.T, all within the speculated deadline.
- Working closely with the Canadian team (onshore) and helping them in reporting requirements of the end of day trades.
- Coordinating closely with the Canadian Onshore Team to ensure all critical transactions are executed prior to market closure.
Education
St. Aloysius Sr.Sec. SchoolJabalpur (India)
Certificate of Secondary Education
04/2003 - 03/2004
Leonard Higher Secondary SchoolJabalpur (India)
Certificate of Higher Education from Commerce
04/2004 - 03/2006
Pune University Pune (India)
Bachelor of Commerce from Commerce
06/2006 - 05/2009
Pune University Pune (India)
Master of Commerce from Business Entrepreneurship
06/2009 - 05/2011
Skills
- Financial statements expertise
- Credit programs
- Credit decisions
- Credit analysis
- Loan documentation
- Retail policy management
- Credit risk
Interests
UAE
INTERESTS
, Traveling, Reading and Music
Languages
English
Fluent
Hindi
Advanced
Marathi
Beginner
Accomplishments
- Created and implemented stress analysis for Loans.
- Created Analyzing sheets and set up and implemented for Credit Committee approvals
- Implemented Customer Protection Regulation Service as directed by the Central Bank.
- Lead projects related to implementation of New systems (MADP & Newgen) for Straight Through Process for Personal Loans and Credit Cards to enhance customer experience.
- Revised product programme for Personal Loans, Credit Cards, Home loans, Personal Overdraft, Salary advance, Credit Card against Fixed Deposit.
- Implemented CPV mock questionnaire script for un-secured credit cards.
- Implementation of an analyzing sheet reflecting detailed information about the customer.
- Employee of the quarter – August 2011.
Timeline
Credit Analyst
Al Masraf Bank
03.2022 - Current
Senior Officer (Acting Manager) – Credit Control
First Abu Dhabi Bank (FAB)
07.2019 - 12.2021
Officer – Credit Analyist
Union National Bank
04.2014 - 05.2019
Operation Assistant – Risk and Documentation Unit
National Bank of Ras Al Khamiah
05.2012 - 03.2014
Operation Executive for CIBC @ (BNY Mellon India)
Bank of Newyork Mellon
05.2010 - 11.2011
St. Aloysius Sr.Sec. School
Certificate of Secondary Education
04/2003 - 03/2004
Leonard Higher Secondary School
Certificate of Higher Education from Commerce
04/2004 - 03/2006
Pune University
Bachelor of Commerce from Commerce
06/2006 - 05/2009
Pune University
Master of Commerce from Business Entrepreneurship
06/2009 - 05/2011
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