Sports
Raies Ahmad Itoo
Banker
Srinagar
Summary
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 11+ years of financial industry expertise. Service-oriented In-charge Credit with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring. Trained in Finacle software use and administration with knowledge of Credit Appraisals, assessment of Financials and final Lending. Dedicated to excellent customer service and best-in-class collaboration.
Overview
14
14
years of professional experience
5
5
years of post-secondary education
2
2
Certifications
Work History
Assistant Credit Manager
The Jammu and Kashmir Bank Ltd
Srinagar
10.2011 - Current
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Monitored accounts for signs of fraud and non-payment issues.
- Obtained and interpreted financial statements to assist in credit limit reviews.
Floor Manager
Craft India
Pune
01.2009 - 09.2011
- Oversaw supply restocking, area cleaning, and product organization.
- Completed efficient daily opening and closing processes to prepare teams and maintain optimal financial controls.
- Made personal recommendations for customers by sharing product knowledge and demonstrating product.
- Established and optimized schedules to keep coverage and service in line with forecasted demands.
Education
Bachelor of Commerce - Accounting And Finance
Islamia College of Science And Technology
Srinagar 03.2004 - 12.2006
MBA - Business Administration
Sikkim Manipal University
Srinagar 01.2007 - 12.2008
Skills
Credit reports
undefinedAccomplishments
- Achieved all the monthly, Quarterly and annual targets by completing the tasks with accuracy and efficiency.
- Supervised team of 5 staff members.
Certification
Junior Associate of Indian Institute of Bankers, Certification by Indian Institute of Banking and Finance
Interests
Travelling
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Even if you are on the right track, you’ll get run over if you just sit there.
Will Rodgers
Timeline
Certified Associate of Indian Institute of Bankers, Certification by Indian Institute of Banking and Finance
07-2021
Junior Associate of Indian Institute of Bankers, Certification by Indian Institute of Banking and Finance
08-2018
Assistant Credit Manager
The Jammu and Kashmir Bank Ltd
10.2011 - Current
Floor Manager
Craft India
01.2009 - 09.2011
MBA - Business Administration
Sikkim Manipal University
01.2007 - 12.2008
Bachelor of Commerce - Accounting And Finance
Islamia College of Science And Technology
03.2004 - 12.2006
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