Notaila El Mosalami
Summary
Accomplished banking professional with over 14 years experience in Credit Risk Analysis and Management Currently working with Dubai Islamic Bank as Credit Analyst (Islamic banking) In depth expertise in Credit Analysis & Loan review, legal, compliance and market risk related issues Proficient in analyzing credit data and financial information, credit history, determining risk, performing complete ratio, trend and cash flow analysis to create projections Excellent analytical and number crunching skills with expertise in using financial software products for credit checks and in using credit scoring models Knowledge of all facets of bank procedures, regulations and compliances with a track record for maintaining high quality standard of processes Possess excellent people management and leadership skills, with an ability to drive operational improvements and deliver positive results
Overview
17
17
years of professional experience
2
2
Languages
Work History
Credit Analyst
Dubai Islamic Bank
06.2014 - Current
- Credit Manager, Handling all retail cases submitted from branches, direct sales and telesales, also for VIP customers from Dubai Islamic branches in UAE only
- Handling auto finance both individual and non-individual (fleet financing) for car rental companies and transport companies, companies using heavy machineries
- Also handling personal finance and credit card cases
- Software used: AECB, CB, Internal software for credit checks
- Analyzing credit data and financial information of individuals and companies that are applying for credit or lloans
- Handle large / small lending proposals and doing risk assessment
- Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents)
- Handle complete ratio, trend and cash flow analysis and create projections
- Determine the degree of risk involved /analyze data and produce clear and objective reports on ccustomers profile
- Reviewing the audit report and performance financial analysis
- Ensure the compliance of credit policy and processes
- Ensuring assignment of correct Credit Rating using the credit scoring model credit appraisal
- Ensuring credit exposures are within the limits
- Adherence to Standard Operating Procedures (SOPs)
- Identify suspicious activities thereby reducing risk exposure
- Achievements at Dubai Islamic Bank
- Successfully handled over 840 cases per month
- Ensured meeting the targeted productivity levels and adherence to service level agreement (SLA) and turnaround time (TAT)
- Ensured targeted number of application were processed each per day, regardless of the load - was awarded by the Head of Department for consistently meeting deadlines in spite of the heavy work load
- Successfully handled several products / units within my department
- Highlighted problems that may arise to line manager –effectively identified fraud related issues and system errors
- Suggested process improvements to reduce the
- TAT of the applications
- Participated in Digitalization programs ,testing the software with the IT team
- Trained staff within the department (newcomers as well as existing staff members)
Credit Officer
Al Yousuf Group
Dubai
08.2008 - 05.2014
- Founded in 1953 the company is into motor vehicles, real estate development, manufacturing a wide range of fiber glass (FRP) boats as well as bitumen-based membranes,
- Based at the company owned Retail Credit Department
- Analyzed and processed retail loans cases for whole group products for MG Motors, Suzuki and Yamaha motorcycles with accessories and Yamaha boats
- Processed loans for customers buying the company’s products
- Received all original documents, printed PDC, filled contact verification point form
- Prepared credit proposal for reschedule, write off cases, and after sales requests
- Monitored the collection report
- collected amount AED 100K – Monitored collection reports and highlighted cases that could be closed Successfully resolved customers’ problems till they got police release letter from us Rescheduled loan amounts and charges, prepared proposals to get waivers from company board Asked management to collect process fees on booking and distributed this amount for department staff end of each month as incentive Successfully reduced number of bad debts, and got in maximum amount to close bad loans
Sales Officer
Islamic Bank
Dubai
07.2006 - 07.2008
- Selling all retail bank products, credit cards and auto finance to customers
Education
Bachelor of Commerce - Political Science
Alexandria University
Skills
Credit Risk Evaluationundefined
Timeline
Credit Analyst
Dubai Islamic Bank
06.2014 - Current
Credit Officer
Al Yousuf Group
08.2008 - 05.2014
Sales Officer
Islamic Bank
07.2006 - 07.2008
Bachelor of Commerce - Political Science
Alexandria University
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