Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Timeline
Generic

Mesfer Sabar

Riyadh

Summary

Multi-talented Assistant credit Manager proficient in applying credit policies to meet standards. Familiar with regulatory requirements and best practices. Eager to take on new professional challenge in credit management.

Overview

11
11
years of professional experience

Work History

Assistant Credit Manager

Emirates NBD
Riyadh
12.2019 - Current
  • Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.
  • Coordinated with internal departments to resolve customer inquiries or disputes about billing and payment issues.
  • Ensured compliance with applicable laws, regulations and policies related to lending activities.
  • Assessed risks and application details for clients to compare data against standard loan approval and denial structures, minimizing risk and maximizing business returns.
  • Worked with management to evaluate credit strategies and develop improvements.
  • Identified areas of risk in loan portfolios and developed strategies for mitigating such risks.
  • Applied deep understanding of industry best practices and legal requirements to prevent critical incidents.
  • Participated in meetings with external auditors regarding internal controls over lending activities.
  • Managed a team of junior analysts responsible for ensuring timely completion of assigned tasks.
  • Created standard operating procedures and delivered training to credit personnel to improve operational efficiency.
  • Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.

Credit Support Officer

Emirates NBD
Riyadh
01.2017 - 11.2019
  • Assisted in the development of credit policies and procedures for the organization.
  • Managed reporting, documentation and recordkeeping requirements for department.
  • Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
  • Reviewed accounts for signs of fraud and non-payment issues.

Retail Credit Analyst

Emirates NBD
Riyadh
07.2013 - 12.2016
  • Conducted financial analysis on customer accounts to determine credit worthiness.
  • Reviewed and analyzed credit applications for customers seeking financing.
  • Monitored and maintained compliance with internal controls and government regulations.
  • Identified potential risks associated with customer loan requests.

Education

High School Diploma -

TVTC
Riyadh
11-2012

Skills

  • Expertise in Credit underwriting & Risk Management
  • Expertise in STP (Straight through processing) of consumers lending products
  • Expertise in planing, monitoring, and implementing long-term and short-term projects for new or existing software systems
  • Expertise in Operational Risk
  • Credit Evaluations for both retail and corporate clients by conducting analysis of audited financial statements, reviewing applications, and financial information
  • Fraud Understanding
  • Risk Mitigation
  • Research and Due Diligence

Accomplishments

  • I am one of the top performers in my organization, rated in th top 1% for four in a row.

Languages

Arabic
First Language
English
Proficient (C2)
C2

Timeline

Assistant Credit Manager

Emirates NBD
12.2019 - Current

Credit Support Officer

Emirates NBD
01.2017 - 11.2019

Retail Credit Analyst

Emirates NBD
07.2013 - 12.2016

High School Diploma -

TVTC

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