Amith Dsouza

Experience

1. Senior Credit Officer

   First Abu Dhabi Bank (FAB)

   Oct 2018 — Present · Abu Dhabi Emirate, AE

   Assessing needs of clients & accordingly charting out viable finance after considering financial, legal as well as technical aspects\\\\n Monitoring portfolio’s transactions, pre and post disbursement documents tracking, monitoring of accounts for banking products\\\\n Performing the functions of assessing creditworthiness of clients and taking adequate steps to ensure receipt of payments and recovery of debts\\\\n Understanding market, competition & products funded by the company & implementing credit procedures\\\\n Undertaking credit appraisals, credit approvals & analysing the portfolio\\\\n Utilizing / deploying the asset, viability of the asset, techno-commercial aspects of the asset, market and competition knowledge, financial aspects of the customer, finance reference checks with bankers or finance companies, etc\\\\n Ensuring adherence to product credit templates and compliance with credit procedures manual\\\\n Analysing the portfolio, handling the quality of the asset appraised and approved\\\\n\\\\n Mapping client’s requirements & providing best products to suit their requirements; generating business from existing accounts and achieving profitability & sales growth\\\\n\\\\n Preparing Liability letters and Clearance letters based on request received through CRM on daily basis\\\\n Overseeing the loan processing and Maintenance of different activities pertaining to Loan using the T24 systems\\\\n\\\\n Instructed hold/release on customer accounts as per requirements\\\\n Managing Disbursal of high monetary amounts on a daily basis\\\\n Issuing Demand drafts based on approval from CAD for buyout loans disbursed\\\\n Ensuring a smooth process flow from initial receipt of application till disbursal\\\\n Maintaining MIS for daily loans disbursed and reporting to higher management on monthly basis\\\\n Acting as a SPOC for internal credit card settlements\\\\n \\\\n\\\\n \\\\n \\\\n\\\\n \\\\n

Education

• Mangalore University

  Bachelor of Commerce (B.Com.), Commercial and Advertising Art

  1997 — 2000

• Trade Wings

  IATA-UFTAA, Aviation/Airway Management and Operations

  2006 — 2007

• ZED Carrer Education

  Diploma in E-Commerce, Commerce and Internet Technology

  2000 — 2001

• Bangalore University

  PGDBM, Human Resources Management/Personnel Administration, General

  2006 — 2007