Summary
Overview
Work history
Education
Skills
Additional Information
Languages
Work availability
Timeline
Intern
Khulood Yousuf

Khulood Yousuf

Abu Dhabi,United Arab Emirates

Summary

ABOUTME A highly motivated and ambitious Administrator , able to give timely and accurate advice, guidance, support and training to team members and individuals. Possessing excellent management skills and having the ability to work with the minimum of supervision whilst leading a team . Having a proven ability to lead , consistently hit targets, improve best practices and organised time efficiently. Now looking forward to a making a significant contribution as a team leader with a company that offers a genuine opportunity for progression . Thorough banking professional knowledgeable about bank products, processes and regulations. Confident and organised in helping consumers navigate sometimes-complex systems to achieve financial goals and boost bank profitability. History completing impeccable work balancing institutional and consumer needs. Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company. Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought. Bilingual Credit Analyst familiar with creating credit risk models. Eager to apply skills in account management and research to augment an employer's services and market share. 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. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

6
6
years of professional experience
4
4
years of post-secondary education

Work history

Credit analyst

First Abu Dhabi Bank (FAB)
Dubai, UAE
07.2023 - Current
  • Harnessed credit market knowledge to inform lending decisions.
  • Spearheaded meetings with clients to resolve lending issues.
  • Employed analytics in determining attractive investment opportunities within assigned portfolios.
  • Observed industry trends and patterns and recommended changes to credit risk ratings.
  • Controlled credit exposure by reviewing repayment plans, minimising risk and obtaining timely payment.
  • Supported investment ideas with extensive research and analysis, minimising bad ROI decisions.
  • Created financial models and projections for forecasting potential returns from lending efforts.
  • Analysed past financial statements and bad loans, aiding future risk assessments.
  • Monitored credit portfolio for changes and suggested additional investment or exit strategies.
  • Identified well-performing products and suggested changes to tailor goods to different markets.
  • Investigated fraud and financial crime indicators to detect and address risks.
  • Used market size and strength in negotiating lending terms with third-party providers.
  • Built scalable risk management and monitoring processes to meet credit needs.
  • Enforced established policies and regulations, fulfilling regulatory compliance requirements.
  • Researched competitor products and pinpointed niches for future products.
  • Made decisions and recommendations about extending lines of credit to clients.
  • Recommended processes to managerial teams to improve credit allocation and collection.
  • Assessed credit risk and financial statements against company requirements to determine eligibility for credit.
  • Advised customers on credit products and matched income levels with loan amounts.
  • Reviewed customer history and company financials before processing credit applications.

Business analyst

Excellent Auditors
Dubai, UAE
09.2021 - 06.2023
  • Conducting extensive market research, including tracking competitor product developments and marketing strategies, and identifying purchasing patterns and emerging trends
  • Analysis of the company's current business operations, including a review of spending habits, marketing efforts and factors that could have an impact on performance; In order to recommend effective ways to generate more revenue
  • Managing financial information, including financial analysis, reconciliations, sales reports, and profit forecasting, as well as gathering information from cash flows, income statements, balance sheets, and ratio analysis
  • Develop and maintain relationships with clients to enhance company sales, in addition to attending industry-specific events and presenting new presentations to clients; To explain the details of products or services, and to address any concerns or issues they may have.
  • Identified areas for improvement, devising and implementing cost-effective solutions to improve results.
  • Produced written documentation, and visual presentations to report data to influence key stakeholders.
  • Devised and led operational changes to generate significant improvements and measurable results in line with business objectives.
  • Documented process flows and implemented requirements for functional improvements.
  • Identified departures from agreed-upon procedures and standards and helped close gaps.
  • Enhanced resource utilization to better capitalize on current resources and minimize expenditure.
  • Prepared proposals with revised methods, new strategies and redefined functions.
  • Helped organizations improve customer satisfaction and achieve measurable results.
  • Identified deviations from standard operating procedures, understanding causes and preventing reoccurrence .
  • Located deviations from standard operating procedures, understanding causes and preventing reoccurrence.
  • Assisted teams with implementing new recommendations and revising instructions for staff.
  • Documented workflow charts, records and job descriptions to guide overall organizational improvements.
  • Drafted procedure manuals, work definitions and standard operating procedures by job title or work area.
  • Highlighted undetected organizational needs to improve business performance.
  • Unified efforts from multiple departments towards business developments.
  • Scrutinized existing and proposed methods and procedures.
  • Encouraged development of clear objectives and action plans.
  • Guided clients toward improved organizational structures and better solutions for identified problems.
  • Communicated with staff at all organizational levels to assess current systems.
  • Observed systems and staff operations throughout organization, compiling current and accurate information.
  • Conducted studies focused on analyzing current strategies and evaluating feasibility and potential results of proposals.


Trainee

Wall Street Management Consultancy
Dubai, UAE
01.2018 - 04.2020
  • Identify business growth opportunities and improve marketing strategies, find ways to enhance and maintain brand relevance in the face of competition, analyze business and financial operations, implement business plans, and stay abreast of the latest developments in the sector.

Education

BBA - Business Administration

ALHosn University
Abu Dhabi
09.2013 - 05.2017

Skills

Leadership Ability

  • Business awareness
  • Time Management
  • Problem Solving skills
  • Team-building and
  • Emotional intelligence
  • Strong decision making
  • MS Office
  • Credit decisions
  • Credit risk
  • Data analysis
  • Sales data analysis
  • Financial statements expertise
  • Credit programs
  • Loan documentation
  • Financial planning
  • Financial viability assessment
  • Credit analysis
  • Loss mitigation strategies
  • Credit exposure monitoring
  • Financial Conduct Authority (FCA) regulatory requirements
  • Credit risk management
  • Accounting software
  • Loan recovery processes
  • Financial audits
  • CRM systems experience
  • Payment plan negotiation
  • Collection progress reporting
  • Litigation process knowledge
  • Inbound and outbound calls
  • Debtors ledger management
  • Bankruptcy proceedings
  • MYOB
  • Bad debt recovery
  • Collections processes and practices
  • QuickBooks software
  • Funding Gates
  • Visionary leadership
  • Performance improvements
  • Excel proficiency
  • Locations expertise
  • Persuasion techniques
  • Risk and asset management solutions
  • Issue investigation
  • Repayment plan negotiating
  • Customer credit checks
  • Financial Conduct Authority (FCA) guidelines knowledge
  • Sales ledger control
  • Payment processing
  • Credit management evaluation
  • Account reconciliations
  • Dispute management
  • History research
  • Scripted responses
  • Debtor management systems
  • Call centre experience

Additional Information

  • Visa status UAE National

Languages

English
Native

Work availability

Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
Sunday
morning
afternoon
evening
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Timeline

Credit analyst

First Abu Dhabi Bank (FAB)
07.2023 - Current

Business analyst

Excellent Auditors
09.2021 - 06.2023

Trainee

Wall Street Management Consultancy
01.2018 - 04.2020

BBA - Business Administration

ALHosn University
09.2013 - 05.2017
Khulood Yousuf