assistant manager

I have set-up and managed the department in all areas of day-to-day operations, policy/procedures, operational risk management, project management, business continuity plan, process, service level agreement, system implementation/enhancement,

• Head Retail Assistant Credit Operation department - Quality Assurance, Retail Control and Credit Card team
• Was a part of building the Credit Operation department from the start of the bank, responsible in defining the business requirements and customizing the banking system
• Defining the process flows and the workaround that is required for the retail loan administration product.
• Create new process and review entering into various projects for the system automation and enhancement. Monitor and manage the systems
•Finalizing/ periodic review of operational procedures of all related activities of the department
•Provide guidance to all of the staff in Credit Administration.
•Managing day to day activities of the department – Final sign off of perfection of documentation and disbursal of loans and monitor credit control activities such as repayments, deferral, pre closures and other maintenance related activities pertaining to loans
•Provide proper guidance and coaching for the entire team
buy our loans Ensuring the all terms and conditions had been complied product wise in line with product program and policies
•Issue/Sign of all correspondent letters required for the Retail customers i.e (Liability letters, Clearance certificate, Car release letter , credit card guarantee , and undertaking etc)
• Liaison with Legal Department for approval on documentation
• Analyze areas of weakness and gaps the Gaps in the existing processes and propose the enhancement based on the best practices
• Assisting the head of the department in defining the proper business requirement for the system implementation and ensuring proper mapping and implementation of those requirements in acceptable timely manner
• Ensure to deliver tasks by the team on agreed Service Level Agreement
• Amending and approving proper service level agreement between the retail Crops and other business units
• Proactively create a strong monitoring mechanism for monitoring collateral and limits structure for Retail customers

Educational Qualification
1- Bachelor of Commerce & Statistics - Accounting Branch
Certificate Degree in Business/ Banking / Finance
2- Post Graduate Diploma in Islamic Banking & Insurance –IIBI London ,UK

Attended large number of seminars & courses in various fields of Banking such as:
Certificate Degree in the following:
- Law Related to Banking.
- Auditor Reports (checking the budget of the companies)
- Problem Solving & Decision-Making.
- Consumer’s Problem’s Debt Collection.
- Problem Loans Management.
- Credit Scoring & Financial Analysis.
• 3D Max
• Statistics
• Adobe Photo Shop
• Corel Draw
• Auto CAD

- Analyses monthly and yearly budget variances and acts proactively to minimize them
- Advise departments on how to efficiently utilize their budgets and monitor and control cash flow
- Performs ad-hoc financial analysis as required within various project streams
- Performs Cost/Benefit analysis, Liaises with the QF Finance to fulfill their requirements and those of the Support Services Directorate.
- Provides financial,IT/ administrative/ contracts, service desk support and consultation services to Support Services Directorates/departments, as needed.
- Participates in operational and service improvement projects for the Directorate
- Fulfills informationand data requirements for the Support Services Directorate/departments
- Prepares periodic Service& Operational reports as required
- Contributes to the development, implementation, and revision of policies & procedures for Support Services Directorate/ departmen
- Performs other duties as assigned that support the overall objective of the position.
- Operational risk score cards
- Liquidity risk matrix
- Demonstrated ability to undertake critical risk analysis; interpret data/information and derive meaning
- Basic knowledge of key banking processes of credit , treasury and operations.
- Assisting the senior risk officer and risk manager in :