Radhiya Arif
Dubai
Summary
Mortgage underwriting professional prepared to deliver precise risk assessments and ensure regulatory compliance. Known for fostering team collaboration and achieving results in dynamic environments. Proficient in financial analysis and decision-making, with reliable and adaptable approach.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Underwriter Assistant Manager - Retail Mortgage
Emirates NBD Global Services LLC
11.2024 - Current
- Evaluated home loan applications for affordability and conformance in line with Bank's internal and UAE Central Bank guidelines.
- Exercised full signing authority for home loans up to AED 2.5 million, escalating higher-value loans for additional approvals.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Reviewed third party Business Verification reports.
- Determined and documented loan conditions and communicated requirements and decisions to sales, customer and disbursal unit.
- Provided customer service by addressing sales inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Coached team members on credit policies.
- Worked in partnership with credit manager and team leader to manage team performance and achieve unit goals.
Team Leader - Retail Credit Operations
Emirates NBD Global Services LLC
Dubai, United Arab Emirates
09.2023 - 10.2024
- Spearheaded a 30-member credit operations team, optimizing document process efficiency and regulatory compliance.
- Achieved stringent loan application turnaround times, analyzing and addressing any deviations
- Maintained and communicated performance metrics, providing regular feedback to team members
- Developed a transparent monthly roster system, ensuring adherence and operational continuity
- Facilitated a culture of open dialogue, recording feedback for annual management reviews
- Ensured seamless operational systems, liaising with IT for prompt issue resolution
- Managed internal customer escalations, delivering swift solutions to uphold superior satisfaction levels.
- Empowered team members by delegating responsibilities according to individual strengths and areas of expertise.
- Conducted regular reject review meetings and workshops with Sales Managers.
- Provided dispute resolution to Sales channels for discrepant applications to improve customer experience.
Credit Underwriter - Retail Personal Loans
Emirates NBD Global Services LLC
Dubai, United Arab Emirates
04.2015 - 08.2023
- Expertly analyzed and underwrote both secured and unsecured consumer loans, applying keen judgment to mitigate credit risk
- Exercised full signing authority for loans up to AED 1.5 million, escalating higher-value loans for additional approvals
- Crafted detailed proposals and recommendations for the Group Risk & Credit department for exposures beyond policy limits
- Specialized in underwriting personal loans for small business owners, relying on thorough financial and transaction analysis
- Processed loan applications for employees of non-listed companies, ensuring prudent evaluation based on comprehensive criteria
- Provided expert guidance to loan processors and originators, serving as a go-to advisor for underwriting inquiries
- Streamlined internal processes by developing and implementing standardized underwriting procedures and checklists.
- Reviewed gratuity release requests sent by Financial Remediation team for customers holding active liabilities with change in employment.
Processing Specialist - Retail Personal Loans
Emirates NBD Global Services LLC
07.2012 - 04.2015
- Conducted thorough reviews of loan applications to ensure accuracy and completion, while verifying applicant information and securing necessary additional documentation in compliance with bank policies.
Education
Certified Financial Risk Management Professional -
American Institute of Business And Management
11.2024
Bachelor of Business Management - Finance -
Mangalore University
01.2012
High School Diploma -
Our Own English High School
Dubai, Dubai01.2009
Skills
- Excellent communication skills
- Leadership
- Decision Making
- Multitasking
- Teamwork and Collaboration
- Analytical capacity
- Conflict Resolution
- People Management
Certification
Certified Associate Program, 05/01/15
- Emirates NBD
Languages
English
Hindi
Personal Information
- Date of Birth: 04/19/91
- Nationality: Indian
- Driving License: Valid UAE Light Vehicle Driving License
- Marital Status: Married
- Visa Status: Valid UAE Residency Visa
Timeline
Underwriter Assistant Manager - Retail Mortgage
Emirates NBD Global Services LLC
11.2024 - Current
Team Leader - Retail Credit Operations
Emirates NBD Global Services LLC
09.2023 - 10.2024
Credit Underwriter - Retail Personal Loans
Emirates NBD Global Services LLC
04.2015 - 08.2023
Processing Specialist - Retail Personal Loans
Emirates NBD Global Services LLC
07.2012 - 04.2015
High School Diploma -
Our Own English High School
Certified Financial Risk Management Professional -
American Institute of Business And Management
Bachelor of Business Management - Finance -
Mangalore University