credit analyst with 18 years banking experience

To serve a well established organization by managing business, contributing to the organization’s growth, efficiency and profitability, by professional management of business units and improving business results

My 17 years work experience in Banks out of which 14 years in UAE have given me thorough knowledge of banking procedures in various retail departments.
Working in 2 opposite departments for a span of 14 years (7 years each handled teams in credit and sales) and ad-hoc experience in fraud and operations have given a good blend of retail banking exposure at managerial levels.
I am gratified by Dubai Bank and Emirates NBD bank, cherry picking me for the certification courses conducted by the Emirates Institute for Banking and Financial Studies.
Having worked in multinational banks as well as Govt. banks (both Islamic and conventional) have given me vast experience and also increased my adaptability to change.
I am confident that my experience and knowledge will add positively to your organisation and look forward to such contributions.

Educational Qualification : B.Sc. Graduate from Bishop Moore College, Mavelikara.
Professional Qualification : Post Graduate Diploma in Marketing & Management from IMM, New Delhi, India.
MBA in Banking from Wisdom Business School, Dubai.

 Certificate from Emirates Institute for Banking & Financial Studies on the course “Credit Metrics & Credit Risk Modelling”.
 Certificate from Emirates Institute for Banking & Financial Studies on the course “Principles of Islamic Banking”
 Certificate from International Marketing Association.
 Won several prizes in Elocution, story writing, recitation and sports.
 Silver medal in painting.
 Certificate from NCC & Certificate from Science Olympiad 1986.
 Certificate on the training programme “Successful Sales Team” attended.
 Certificate on the training programme “Power Selling” attended.

• A confident, driving individual who reacts quickly to change.
• A self-starter with a strong sense of urgency who responds positively to challenge and pressure.
• A fast learner who is a practical and ingenuous problem solver.
• A fluent and articulate communicator, flexible and responsive.
• A self-directed, goal oriented doer.

I have worked for great banks such as Emirates NBD, Dubai Bank and Standard Chartered Bank.
I appreciate your taking time to review my credentials and experience. My resume is enclosed for your kind consideration.