Muhammad Umar Siddique
Performance-driven and analytical Credit Analyst with 6 years of
experience in credit risk management for all types of banks and other
lending institutions. Proven experience in assessment of creditworthiness of
client companies. Wide background in financial information analysis,Strong
current knowledge of compliance and legal issues involved in credit
Work & Experience
• Processing and decision of asset products proposal as per approved product programmed process manual. • To ensure all credit proposals should be processed in line with bank’s credit policies and SBP regulations. • To assign the credit limit as per delegation and ensure that the case is approved as per policy without compromising the risk and policy. • To clearly communicate policy guidelines down the line, accelerating policy implementation, and ensuring strict compliance to the rules at every level. • To propose different productive and innovative ideas to increase over all efficiency and productivity. • To ensure all details of the applicants should be updated on the system before disbursal. • Responsible for issuing offer and purchase order. • To have close co-ordination with EAMVU regarding legal opinion, verification,appraisal’s and income estimation.
• Develops, applies and improves technical expertise necessary to properly identify risk,controls and potential loss causes. • Gathers and analyzes information necessary to make an accurate evaluation of the risk. • Oversees the proper implementation of policies, central bank guidelines, filing and MIS submission. • Ensure all applications are filtered through tight risk checks. • Proactively handle and highlight potential causes of problems. • Review risks and determine underwriting acceptability; remains vigilant and takes action to achieve results that positively impacts business in long run. • Contributes to the development and achievement of credit goals and objectives.
• Review loan requests and Assess clients’ financial status. • Investigation and resolving outstanding issue. • Evaluate creditworthiness and risks. • Preparation of supporting documents for client credit approval. • Analyze risks and approve or reject loan requests. • Calculate financial ratios (e.g. credit scores and interest rates)
• Processing of Credit Cards, Personal Loan and Running Finance in Retail Risk Management. • Verification of all customers’ credit application information, including bank and direct sales references. • Investigation and resolving outstanding issue. • Preparation of supporting documents for client credit approval. • Data entry for all compiled information. • Sales data entry and personal information of customers into computer database.