Syed Atta Haider Naqvi

• Streamlined internal processes for increased efficiency in mortgage approvals.
• Reviewed financial documents meticulously, reducing errors in mortgage application submissions.
• Resolved complex issues with mortgage applications, improving overall process flow using CAS ,CRM,Share Point,T24,LMS,AMS & PDD Trakers.
• Overall Mortgage Advisors Perfmence and Productivity MIS Publishing Including YTD Numebrs.
• Daily MIS reporting for New Submitions,Facility Offer Letter Status & Disbursal Report.

• Adhered strictly to health and safety regulations within the workplace environment.
• Provide effective transportation support.

• Manage and coordinate transports related tasks including driver

schedules, vehicle assignment, leaves roasters

• Maintain daily vehicle inspection (check list) and report any problem using the vehicle defect form.
• Supervise drivers to make sure their vehicles log book is properly
  completed and accurate procedures are followed.
• Review accurate daily vehicle log and
  control petrol consumption and mileage.
• Prepare the Monthly transport user report and
  submit before deadline.

• Recommended credit extensions after rigorous risk assessment and analysis.
• Managed a diverse workload under tight deadlines without compromising quality of output.
• Enhanced understanding of complex financial data through clear, concise reporting.
• Credit/Risk underwriting on companies/applicants and credit decision making on Auto finance, Personal Finance & Credit Card requests.
• Credit/Risk underwriting for STL,STL DTS, Buyouts, Retention,Topup & TOD.
• Analysis using the financials, bank statements, industry and market factors.Verifying and analyzing documents e.g. Company financials, Bank statements, company legal/ownership documents, loan salary documents etc.
• Due diligence and fraud investigation on proposals prepared by junior analysts and Final decision making based on customer portfolio.
• Coordinating and negotiating with the sales team in case of high
  ticket or high net worth customers.
• Exercise the delegated credit limits prudently.Ensure Turnaround Time (TAT) is within agreed SLA.
• Strict compliance of Central Bank and Policy regulations.
• Have command in Finnone, Phionex, CBRB, central Bank
  portal, Omni, AECB (Al Etihad Credit Bureau).

• Optimised network performance to ensure uninterrupted service provision.
• Prepares MI analyses and reports for Collections team to set strategies for the delinquent & underwriting customers.
• Publish the reports within agreed timeframes.
• SMS files and generate Legal and agencies MIS.
• Generate and track the collector's productivity and identify those who need different training session. Develop and maintain complaint log and MIS to help management to improve the quality of the shop.
• Applications used Debt Manager, Prime, Finnone, Flexcube, BBLS, BPLS, Excel,Word, SQL.

• Proper follow up of accounts allocated and system updates.
• Ensure that contacts are made on a daily basis and updated regularly.
• Ensure daily run rate required is met to achieve the monthly target. Follow up and negotiate for overdue payments.
  Identification and timely follow up of Nonstarter/Skip Cases.
• Ensure proper documentation of collection related activities (Card block/unblock, address change, pickups etc.)
• Refer un-contactable cases on field and for police cases. Visiting
  customers on filed for cases allocated. Forwarding cases to Legal Dept for filing Police Cases and follow-up with the legal dept for status update.
• Educating customers about various schemes of the Bank and evaluate reasons for non- payment of the Debt and offer solutions for repayment with customized schemes. Offering settlements to customers as per Bank Guidelines.
• Major applications used Debt Manager, Prime, Flexcube, Exel.