Mohammad Asaf
Dubai
Summary
Professional Experience 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.
Overview
2
2
years of professional experience
Work History
Credit Analyst
Tanfeeth LLC (ENBD group)
09.2023 - Current
- Review credit scores and make approval recommendations
- Ensure compliance with lending policies and regulations
- Communicate credit decisions to applicants and loan officers
- Provide excellent customer support and address inquiries
- Monitor the performance of existing loans and manage risks
- Maintain detailed records of credit evaluations
- Contribute to the overall responsible lending practices of the organization.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Assessed credit risk and analyzed financial statements.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Processing Associate
Tanfeeth LLC (ENBD group)
02.2022 - 08.2023
- Process millions of AED loans daily
- Conduct pre-screening checks and review mandatory documents for compliance with lender policies
- Determine profit rates and charges based on finance amount and applicant salary
- Perform system checks for fraud detection and compliance
- Capture applicant liabilities from provided documents
- Obtain credit reports from Al Etihad credit bureau (AECB)
- Conduct quality checks on data captured by processors
- Manage UAT projects and coordinate with business and IT support
- Attend training sessions and meetings to enhance knowledge and skills
- Update and maintain loan application records
- Conduct periodic reviews and provide feedback to improve loan processing procedures.
- Identified and resolved process issues to drive optimal workflow and business growth.
- Developed standard operating procedures and document workflows to drive current and future processes.
- Implemented continuous improvement metrics to streamline workflows and reduce waste.
- Collaborated with team to define business requirements for organizational processes, achieve productivity standards, and adhere to accuracy standards.
Education
Bachelor in civil Engineering -
Lovely Professional University
01.2020
Intermediate -
St.Xavier's Higher senior secondary school
01.2015
Matriculation -
St.Xavier's Higher senior secondary school
01.2013
Skills
- KYC/AML Compliance
- FinnOne/Finnacle
- Leadership
- Team Management
- UAT
- Process Improvement
- Continuous Learning
- Critical Observation
- Decision making
- Finnone/finnacle
- Microsoft Office (Word, Excel & PowerPoint)
- Attention to detail
- Compliance knowledge
- Financial analysis
- Risk Assessment
- Credit analysis
- Financial statement analysis
- Credit decisions
- Financial statements expertise
- Verbal and written communication
Timeline
Credit Analyst
Tanfeeth LLC (ENBD group)
09.2023 - Current
Processing Associate
Tanfeeth LLC (ENBD group)
02.2022 - 08.2023
Bachelor in civil Engineering -
Lovely Professional University
Intermediate -
St.Xavier's Higher senior secondary school
Matriculation -
St.Xavier's Higher senior secondary school