Laith Ahmed
Dubai
Summary
A seasoned financial expert with over 15 years of comprehensive experience in finance, credit management, and banking. Proficient in conducting meticulous research and risk assessments, maintaining meticulous records, and adeptly managing clients. Possesses advanced skills in interpreting financial statements and adeptly navigating banking regulations. Confident in advising clients to achieve their financial objectives while ensuring the bank's profitability.
Demonstrates proficiency across a spectrum of financial and investment services, including retirement planning, insurance, credit facility management, project monitoring, and the processing of loans and grants. Extensive experience in trade finance, showcasing a nuanced understanding of international trade legislation and processes.
Recognized for employing a strategic approach to financial research and decision-making, consistently contributing to the success of diverse financial initiatives. A results-oriented professional committed to upholding the highest standards of ethical conduct in the business arena
Overview
16
16
years of professional experience
Work History
CREDIT ANALYST- RISK MANAGMENT
DUBAI ISLAMIC BANK
01.2015 - Current
- Regularly reviewed customer files to ensure sound condition of receivables
- Monitored and recommended revisions to customer credit limits based on product requirements and credit worthiness
- Continually evaluate credit profiles to identify changes in financial and payment trends, communicate findings to credit management, and recommend corrective action
- Performed credit reviews on corporations to assess financial conditions
- Analysed customer data such as financial statements to determine the level of risk involved for extending credit
- Issued official approval and rejection notices within allowable limits and in line with institutional risk profiles
- Devised credit and repayment plans for secure finance management
- Analysed financial statements to identify client viability and risk
- Reviewed and submitted applications to management with recommendations
- Effectively and efficiently delivered projects to timely completion, ensuring faultless quality standards
- Reviewed and certified official financial statements for presentation to shareholders and governing bodies
- Conducted presentations to upper management and executive teams for loan recommendations
- Managed financial updates, watch lists, and insurance files
- Advised management on financial details related to business operations, inventory levels, and budgets
- Overseen and undertook fraud investigation
- Analyses and study customers' files and accounts to detect any fraud or money laundry
- Following the fraud cases and investigation to make the correct decision
- Monitor corporate portfolio asset quality on an ongoing basis
- Continuously monitor post-disbursement transactions and track borrower compliance with financial and non-financial covenants
- Communicated credit decisions and policies to fellow employees and credit applicants.
- Streamlined the credit approval process, implementing standardized procedures for evaluating new applications.
- Verify completeness and accuracy of documents, ensuring document authenticity.
- Collaborate with business teams to monitor the progress and performance of lending activities related to projects.
- Implement fraud prevention measures by inspecting trade documents for signs of fraud and reporting suspicions promptly.
- Generate detailed statistical reports on system conditions and share them with relevant stakeholders.
- Review trade finance documents for accuracy and compliance with international trade regulations.
- Safeguard original contracts and related documentation.
- Monitor and enforce terms and conditions of credit facilities, reporting anomalies promptly.
LOAN PROCESSOR
DUBAI ISLAMIC BANK
01.2013 - 01.2015
- Controlled credit risk by analysing portfolio and identifying potential issues impacting client security
- Created document checklists according to the type of modification consideration; responded appropriately to internal or other 3rd party inquiries
- Guaranteed compliance by maintaining up-to-date knowledge of anti money laundering and FCA regulations
- Ensured strict adherence to operational policies, procedures, and guidelines; established strong working relationships with the management and staff
- Updated client records with successful credit and loan applications
- Demonstrated effective customer communication and service skills
- Documented client applications for personal, business, and mortgage loans
- Devised credit and repayment plan for secure finance management
- Prepared documentation on loan repayment feasibility
- Provided support to loan originator and underwriting departments
- Reviewed and verified borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal
- Reviewed loan agreements to ensure that they were complete and accurate.
SALES & SERVICE REPRESENTATIVE
DUBAI ISLAMIC BANK
01.2010 - 01.2013
- Selling bank products and services using solid arguments to prospective customers
- Maintained positive business relationships to ensure future sales
- Performed cost-benefit analyses of existing and potential customers
- Achieve agreed upon sales targets and outcomes within schedule
- Reached out to customer leads through cold calling
- Completion of daily banking transactions for clients
- Coordinate sales effort with team members and other departments
- Delivery of check books and bank cards to clients
- Keep abreast of best practices and promotional trends
- Continuously improve through feedback
- Expedite the resolution of customer problems and complaints to maximize satisfaction
- Handled online promotions and coordinated with customers about latest offers
- Implemented sales guidelines and standards across departments.
TELLER
DUBAI ISLAMIC BANK
01.2008 - 01.2010
- Assisted clients with various questions and concerns related to their accounts and bank products
- Helped customers open and close checking accounts, credit cards, savings accounts, personal loans, and mortgages
- Trained new tellers in institutional processes and procedures, mentoring through the learning period and answering questions
- Handle cash deposit and withdrawal cash for the clients' issue manager cheques transfer money between internal accounts and overseas account
- Identified and mitigated potential fraud and transaction risks
- Accurately maintained records of each transaction and ensured all documentation and paperwork was in place and within compliance
- Processed daily client transactions, including deposits, withdrawals, money transfers, loan payments, and selling cashier's checks.
Education
BACHELOR'S DEGREE, ECONOMICS -
UNIVERSITY OF JORDAN
MBA - FINANCE AND ACCOUNTING -
VICTORIAN INSTITUTION TECHNOLOGY
01.2025
Skills
- Strong problem-solving skills
- Financial skills
- Customer Confidentiality
- Cash Drawer Balancing
- Record keeping & documentation
- Customer Service
- Analytical & Auditing
- Creative thinking skills
- Averaging & Budgeting
- Cash Flow Management
- Strong interpersonal skills
- Credit decisions
- Cross Selling
- Branch Management
- Client management
- Data analysis
- Financial statements expertise
- Credit risk management
- Critical thinking
- Quantitative skills
- Computing skills
- Risk Analysis
- Multitasking
Languages
English
Arabic
Linkedin Profile
linkedin.com/in/laith-tayseer-ahmad-6a489128
Timeline
CREDIT ANALYST- RISK MANAGMENT
DUBAI ISLAMIC BANK
01.2015 - Current
LOAN PROCESSOR
DUBAI ISLAMIC BANK
01.2013 - 01.2015
SALES & SERVICE REPRESENTATIVE
DUBAI ISLAMIC BANK
01.2010 - 01.2013
TELLER
DUBAI ISLAMIC BANK
01.2008 - 01.2010
BACHELOR'S DEGREE, ECONOMICS -
UNIVERSITY OF JORDAN
MBA - FINANCE AND ACCOUNTING -
VICTORIAN INSTITUTION TECHNOLOGY
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