Khurram Khan is an experienced credit analyst with above thirteen years of experience in the financial services industry in GCC country. Proven experience in assessment of creditworthiness of clients. Known for supervising simultaneous projects in high-pressure environments with professionalism and poise. Proficient in adapting to new procedures as business climate changes.
In addition to above, Khurram has served for Sales & Collection department of First Abu Dhabi Bank – Abu Dhabi - UAE.
· Operated as Senior Credit Analyst at First Abu Dhabi Bank (FAB) previously known as First Gulf Bank (FGB).
· Improved understanding of financial statements, which helped in assessing risk.
· Conducted presentations to upper management and executive teams for loan recommendations.
· Created in-depth credit presentations that were user-friendly and easy to understand.
· Gathered loan documentation for underwriting.
· Offered insight to upper management regarding credit decisions.
· Complied with internal controls and government regulations.
· Utilized strong communication and interpersonal skills to obtain necessary financial information from customers.
· Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
· Contacted customers and requested financial documentation.
· Evaluated customer credit data to determine level of risk involved in money lending.
· Performed credit reviews on corporations to assess financial conditions.
· Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
· Placed customer accounts on hold due to past due payments.
· Made decisions and recommendations about extending lines of credit.
· Conducted four contact point verifications (CPVs) i.e. customer, reference, office & home country.
· Handled after sale service queries i.e. Block removal, Increase in card limit etc.
· Generated hourly reports to check the smooth flow of cases from verification queue to underwriting queue.
· Skilled at working independently and collaboratively in a team environment.
· Prepared approved & declined cases analysis & provided to the upper management and recommendations.
· Adaptable and proficient in learning new concepts quickly and efficiently.
· Identified issues, analyzed information and provided solutions to problems.
· Passionate about learning and committed to continual improvement.
· Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
Gained strong leadership skills by managing projects from start to finish
· Handled hardcore buckets including 4, 5 & 6 and recovery
· Reviewed status of accounts and initiated collection action by contacting each account.
· Regularly monitored accounts to identify overdue balances and potential areas of risk.
· Documented customer payment interactions and account statuses for future reference.
· Identified and contacted customers with overdue accounts to address payment status.
· Achieved performance goals on consistent basis.
· Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
· Maintained records concerning changes in accounts.
· Handled Re-scheduled of accounts & write offs
· Used scripted conversation prompts to convey current account information and obtain payments.
· Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutions.
· Collaborated with other departments to verify customer compliance with payment plans.
· Maintained accurate records of customer accounts, payments and payment plans.
· Analyzed customer financial records to determine appropriate payment plan.
· Collected on delinquent accounts to reduce overdue balances.
· Developed strong relationships with customers to foster timely payments and account resolution.
· Maintained high volume of calls and met demands of busy and productive group.
Worked in call center environment handling manual and automatically dialed outbound calls.
· Successful track record in selling the Smart Loan product all over the U.A.E
· Served customers with knowledgeable, friendly support at every stage of shopping and purchasing.
· Assisted with day-to-day operations, working efficiently and productively with all team members.
· Researched sales opportunities and possible leads to exceed sales goals and increase profits.
· Informed customers of promotions to increase sales productivity and volume.
· Analyzed past sales data and team performance to develop realistic sales goals.
· Utilized internal lead referral tools to solicit new business opportunities and contacts.
· Achieved sales goals and service targets by cultivating and securing new customer relationships.
· Skilled at working independently and collaboratively in a team environment.