credit or loans officer

Bagerz

<div><div><div><h5 class="jobSectionHeader"><b>Overview</b></h5><br>
</div><p></p><div><h4 class="jobSectionHeader"><b>Job Description</b><div><div><b><br>
</b></div></div></h4><p></p><ul><li>Verify and validate the distribution of credit in the system, ensuring accuracy in the amount and terms of the credit according to the contract.</li>
<li>Records and reconciles in the system the portion paid through the bank for loans distributed</li>
<li>Ensures that all required documents and verifications are completed before final validation of the loan disbursement process.</li>
<li>Confirms that the loan disbursement is in accordance with the institution's policies and procedures and regulatory requirements.</li>
<li>Records data in the credit management system.</li>
<li>Verify and update the system with accurate customer data.</li>
<li>Maintain accurate records of credit disbursements and report any discrepancies for review.</li>
<li>Communicates and notifies branches as needed on issues related to the validation of loan disbursement.</li>
<li>Checks documents for any discrepancies before releasing funds.</li>
</ul><h4 class="jobSectionHeader"><b>Job Requirements</b></h4>
<ul><li>University degree in Economics or a similar field,</li>
<li>Experience in lending operations, credit distribution processes or similar roles in the financial services sector.</li>
<li>Professional knowledge in the use of credit management systems and financial systems.</li>
<li>Attention to detail and good ability to work with numbers.</li>
<li>Excellent communication and interpersonal skills.</li>
<li>Strong problem-solving skills and ability to work under pressure.</li>
<li>Research, analytical and information evaluation skills,</li>
<li>Very good computer skills (Microsoft Office programs),</li>
</ul>
<p>About Company:</p>
<p>
Bagerz, a dynamic and forward-thinking organization, is committed to delivering excellence across all industries. We are currently on the lookout for passionate professionals who are eager to grow, innovate, and contribute to meaningful projects in a collaborative and fast-paced environment.</p>
</div>
<div><div><h5 class="jobSectionHeader"><b>Job Nature</b></h5>
</div><div>Full Time
</div></div><div></div><div><div><h5 class="jobSectionHeader"><b>Job Location</b></h5>
</div><div>Dubai
</div></div><div></div><div><div><h5 class="jobSectionHeader"><b>Job Level</b></h5>
</div><div>Sr. Position
</div></div></div><div></div><div><h3 class="jobSectionHeader"><b>How to Apply</b></h3>
<div></div>Apply Online</div></div><div></div>

Credit Department Officer

Communik Marketing Management Est - Acico Business Park

<p>Position: Verification Officer &ndash; Credit Card Sales</p><p>Job Role &amp; Responsibilities:</p><p>Conduct verification calls to customers who have applied for credit cards.</p><p>Confirm customer details such as identity, employment, income, and other necessary information as per bank/client policies.</p><p>Ensure all verification calls are handled in a professional and compliant manner.</p><p>Validate customer-provided documents against internal checklists and guidelines.</p><p>Record call outcomes and update the verification system accurately.</p><p>Identify and report any suspicious, fraudulent, or incomplete applications.</p><p>Coordinate with sales and operations teams to resolve discrepancies.</p><p>Meet quality and accuracy standards set by the client/bank audits.</p><p>Adhere to company policies, compliance requirements, and regulatory guidelines.</p><p>Achieve assigned verification targets within the given timeline.</p><p>Requirements:</p><p>Strong communication skills in English (and additional languages if required).</p><p>Preferably Hindi or Urdu Speaking Candidates.</p><p>Attention to detail with good listening and analytical skills.</p><p>Ability to work under pressure and meet daily verification targets.</p><p>Prior experience in verification, tele calling, or credit card sales will be an advantage.</p><p><b>Salary 2000 to 2500</b></p><p><b>Preferably Own Visa candidates</b>.</p><p>Job Type: Full-time</p><p>Pay: AED2,000.00 - AED2,500.00 per month</p>

Verification Officer - Credit Card Sales

Fulcrum Pvt Ltd

<p>Fulcrum Pvt Ltd is looking for a &quot; <b>Retail Credit Operations &quot; </b>for our leading client.</p><p>Contract Period : 6 Months</p><p><b>Job Title:</b> Associate (T1)</p><p><b>Department</b>: Retail Credit Operations</p><p><b>Direct Supervisor</b> : Manager &ndash; Secured Lending</p><p><b>Mortgage - Home Loan</b></p><p>&sect; Perform verification of loan documents as per standard Operating Guidelines Mortgage-Home Loan conventional and Islamic.</p><p>&sect; Verify all disbursal documents provided by Sales team (KYC, application form, Offer letter, loan agreement, property docs, insurance policies and undertakings) and ensure documentation is in line with Credit approval and SOP guidelines.</p><p>&sect; Prepare documentation check list for all credit documents required as per offer letter and record observations / discrepancies in check list and raise exceptions.</p><p>&sect; Execute loan disbursals and ensure loan fields are updated as per documents provided in system.</p><p>&sect; Ensure financial transactions are posted without error and forwarded to Checker for authorization.</p><p>&sect; Handling loan servicing requests (loan settlement, postponement, rescheduling, Due date Change, Insurance switch, loan amendments &amp; Issuance of release letters post loan settlement) review of customer docs and approvals and transaction execution in system.</p><p>&sect; Ensure ADM&rsquo;s are adhered to for transaction processing.</p><p>&sect; To ensure appropriate controls are in place and maker checker process is followed for documentation check and transaction execution.</p><p>&sect; Ensure that quality is maintained in documentation review and transaction execution.</p><p><b>SME / LAP (Loan against Property)</b></p><p>&sect; Perform verification of loan documents as per SME standard Operating Guidelines.</p><p>&sect; Verify all disbursal documents provided by Sales team (KYC, application form, offer letter, agreement, property docs, insurance policies and undertakings) and ensure documentation is in line with Credit approval and SOP guidelines.</p><p>&sect; Prepare documentation check list and record observations / discrepancies in check list and raise exceptions.</p><p>&sect; Execute loan disbursals in system and ensure loan fields are updated as per documents provided.</p><p>&sect; Ensure accuracy of financial transactions and forwarded the cases to Checker for authorization.</p><p>&sect; Ensure that quality and accuracy while documentation review and transaction execution.</p><p><b>Auto / Car Loans:</b></p><p>&sect; Perform verification of loan documents as per car loan standard Operating guidelines.</p><p>&sect; Prepare documentation check list and record observations. In case of discrepancies in loan documents, update the check list and raise exceptions.</p><p>Issue LPO for auto loans post documentation review and forward the case to &sect; checker for review / authorization.</p><p>&sect; Execute loan disbursals and ensure loan fields are updated as per documents provided in system.</p><p>&sect; Ensure financial transactions are posted without error and forwarded to Checker for authorization.</p><p>&sect; Execute lien / releases in system as per loan document / customer request.</p><p>&sect; Ensure that quality and accuracy while documentation review and transaction execution.</p><p><b>MIS / Reports / Reconciliation:</b></p><p>&sect; Ensure MIS tracker are updated in timely manner and circulated to key business stake holders.</p><p>&sect; Ensure tracking of deferrals and Insurance and report escalation to relevant stake holders.</p><p>&sect; Preform tracking of externally assigned insurance policies as per defined process.</p><p>&sect; Prepare monthly declaration reports for group insurance cases to get the life and property coverage.</p><p>&sect; Perform GL reconciliations within agreed timelines and ensure NIL exceptions, circulate the reports to all stake holders.</p><p>&sect; Tracking of system issues and liaising with various departments for issue resolution.</p><p>&sect; Participate in UAT&rsquo;s for system changes and automation.</p><p>&sect; Support Adhoc Business requests.</p><p>&sect; Customer complaints review and resolution.</p><p>&sect; Ensure effective coordination with onshore team to meet SLA and TAT.</p><p>&sect; Maintain a positive working relationship with colleagues.</p><p><b>Key Result Areas </b></p><p>&sect; Scrutiny of all loan documents / contracts for secured products.</p><p>&sect; Execute disbursement in system and update MIS Trackers.</p><p>&sect; Perform verification of servicing requests and execute transactions in system.</p><p>&sect; Establishing authenticity of the information provided and ensuring that no case passes fraudulently.</p><p>&sect; Perform GL reconciliation and circulate the reports to stake holders.</p><p>&sect; Ensure Customer satisfaction with nil complaints.</p><p>&sect; Ensure TAT and SLA is maintained for loan processing.</p><p>&sect; Meeting KPI and accuracy bench marks.</p><p><b>Operating Environment, Framework and Boundaries, Working Relationships</b></p><p>&sect; Handling day to day queries / issues and assist team leader to resolve the same.</p><p>&sect; Maintain Quality standards with nil exceptions.</p><p><b>Problem Solving</b></p><p>&sect; Understanding the policies and parameters of product for disbursement process and be able to transact within the system and tackle day to day system based hindrances.</p><p>&sect; Analyze the errors committed and work to improve those errors.</p><p><b>Decision Making Authority &amp; Responsibility</b></p><p>&middot; Execute transaction as per laid down process / delegated limits.</p><p><b>Knowledge, Skills and Experience</b></p><p>&middot; Graduate with 1-3 years&rsquo; work experience in operations.</p><p>&middot; Excellent analytical skills.</p><p>&middot; Good system skills, MS Office (Word, Excel &amp; Power Point), MS Outlook.</p><p>&middot; Experience in banking policies and credit parameters.</p><p>&middot; Possess good communication, interpersonal skills.</p><p>Job Type: Contract</p><p>Pay: Rs60,000.00 - Rs100,000.00 per month</p><p>Work Location: Remote</p>

Retail Credit Operations ( Banking Sector ) - Contractual

البنك التجاري الدولي

<div></div><div><div>Description<div></div><p><br>
Job Purpose:</p>
<p>
To initiate, develop and update all the business banking credit policies or any specific product related to the segment in order to ensure asset quality, risk appetite and business plans are effectively maintained.</p>
<p>
In addition, to prepare and consolidate any reports required the by internal/external parties and manage the implementation of any agreed upon action plan to remedy comments raised as well as generating all the Board /Board Risk Committee requirements related to the business banking credit policy in terms of producing the necessary analysis, action points and follow-ups.</p>
<p>
Job description:</p>
<p>
1. Develop a proactive policy management process by using tools embedded in the early warning and watch-listing framework to make policy amendments if required.</p>
<p>
2. Evaluate on a regular basis competitiveness of policies within the market and recommend necessary changes to meet business budgets.</p>
<p>
3. Monitor thoroughly the newly introduced Business Banking credit policies in terms of effectiveness and credit quality</p>
<p>
4. Develop comprehensive action plans to manage adverse trends and red flags detected by the BB Portfolio Management team affecting the portfolio quality and profitability.</p>
<p>
5. Identify required data and work with BB Portfolio Team Heads to understand data source, ensure data quality and retrieve data on a timely basis to ensure quality of Policy Decisions.</p>
<p>
6. Assist in analysing segments and trends through collaborating with the business and all relevant stakeholders to be able to propose corrective policy changes and to highlight possible opportunities.</p>
<p>
7. Proceed with the execution of any requirements received by the different Risk Committees (BB Risk Committee and the Board Risk Committee) including policy changes, adverse trends &amp; action points and communicate it to the team in order to be presented to the committee members in a timely manner.</p>
<p>
8. Collaborate and request feedback from the Fraud Management team on all fraudulent incidents to amend all policies accordingly in order to mitigate any future possible fraud risks</p>
<p><b>
Policies, Processes and Procedures</b></p>
<p>
9.Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner</p>
<p><b>
Day-to-day operations</b></p>
<p>
Follow the day-to-day operations related to own jobs in the BB Credit Policy to ensure continuity of work</p>
<p><b>
Compliance</b></p>
<p>
Comply with all relevant CBE regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB&rsquo;s sound legal position and mitigate any potential risks</p><div></div><div><br>
</div></div><div>
Qualifications<div></div><p><b><br>
Qualifications &amp; Experience</b></p>
<ul>
<li>Bachelor&rsquo;s degree of commerce, Business Administration, accounting or equivalent.</li>
</ul>
<div>&sect; CIB/ external Credit Training Program &ldquo;Credit Course&rdquo; is preferable
</div><ul><li>For Officer: Min. 6 years of experience in Corporate/BB Banking or Corporate/BB Risk or relevant experience.</li>
<li>For Senior Officer: Min. 8 years of experience in Corporate/BB Banking or Corporate/BB Risk or relevant experience.</li>
</ul>
<p><b>Skills</b></p>
<ul>
<li>Solid credit policy experience having policy experience with different products or relevant experience</li>
<li>Have sound knowledge of the Egyptian market in terms of risks associated with the bb Banking products</li>
<li>Excellent command of English language beside Arabic</li>
</ul>
<p>Self-motivated, team player, excellent soft skills, quantitative and qualitative analysis and decision-making skills, etc.</p><div><br>
</div></div><div>
Primary Location: Egypt-Cairo-MERRYLAND</div><div>
Job: Back Office</div><div>
Organization: RISK</div><div>
Shift: Day Job</div><div>
Job Type: Full-time Employee</div><div>
Travel: No</div></div>

BB CREDIT POLICY & PROGRAMS SENIOR OFFICER

<p><b>Job Title:</b> Relationship Officer - Credit Card Sales<br/><b>Location:</b> Dubai, United Arab Emirates<br/><b>Industry:</b> Banking &amp; Financial Services<br/><b>Employment Type:</b> Full-Time</p><p><b>Job Summary:</b></p><p>We are looking for dynamic and self-driven <b>Relationship Officer</b> to join our team in Dubai. The ideal candidate will be responsible for promoting and selling credit card products to individual customers, achieving sales targets, and maintaining excellent customer service standards.</p><p><b>About Communik Marketing:</b></p><p>Communik Marketing Management Est is a fast-growing digital marketing agency that specializes in helping businesses thrive online through cutting-edge services like SEO, Social Media Marketing, Website Design &amp; Development, and more. Our goal is to empower brands by delivering innovative digital solutions that drive growth. We are looking for a Sales Executive who can contribute to our success by generating new business and promoting our services.</p><p><b>Key Responsibilities:</b></p><ul><li>Actively promote and sell credit card products to prospective customers through direct sales.</li><li>Identify customer needs and recommend suitable credit card solutions.</li><li>Meet or exceed assigned monthly and quarterly sales targets.</li><li>Ensure compliance with bank policies, procedures, and regulatory guidelines.</li><li>Provide after-sales service and support to ensure customer satisfaction and retention.</li><li>Coordinate with internal departments for timely processing of applications and customer queries.</li></ul><p><b>Requirements:</b></p><ul><li>Minimum 0&ndash;2 years of experience in <b>credit card or financial product sales</b> (Banking, Tele sales &amp; Any sales experience preferred).</li><li>Strong communication and interpersonal skills.</li><li>Self-motivated, target-oriented, and able to work independently.</li><li>Good understanding of banking products, especially credit cards.</li><li>Fluency in English</li><li>Ability to handle rejection professionally and maintain a positive attitude.</li></ul><p><b>Education:</b></p><ul><li>Minimum: High School Diploma or equivalent</li><li>Preferred: Bachelor&rsquo;s degree in Business, Finance, or a related field</li></ul><p><b>Benefits:</b></p><ul><li>Attractive Salary &amp; Bonus structure and performance incentives</li><li>Career growth opportunities within the company</li><li>Training and support provided</li><li>Employment visa and standard UAE benefits (medical insurance, annual leave, etc.)</li><li><b>Candidates with own visa (Spouse/Residence) are preferred.</b></li><li>Must be available to <b>join immediately</b>.</li></ul><p><b>Working Hours:</b></p><p>Monday to Saturday | 10:00 AM &ndash; 7:00 PM (may vary based on campaign/location needs)</p><p><b>Salary : </b>AED 2500 to AED 5000 (Tatget based)</p><p>How to Apply:</p><p>If you're passionate about Banking sales, and are eager to work in a dynamic and fast-paced environment, we want to hear from you! Send your resume and cover letter to cv.cmm.acico@communikmarketing.com</p><p>Job Type: Full-time</p><p>Pay: AED2,500.00 - AED5,000.00 per month</p>

Relationship officer - Credit card sales Executive

IDS Solution

<p><b>Job Title:</b> Sales Executive &ndash; Credit Card (Dubai)</p><p><b>Location:</b> Dubai, UAE</p><p><b>Company:</b> Fintrek Marketing<br/>Apply Now: prasoon.pk@fintrekmarketing.com<br/>www.fintrekmarketing.com</p><p><b>We Are Hiring &ndash; Sales Executive (Credit Card)</b></p><p>Join our growing team at <b>Fintrek Marketing</b> in Dubai! We are looking for motivated and energetic <b>Sales Executives</b> to promote credit card products and provide financial solutions to customers. Whether you are a fresher or an experienced sales professional, this is your chance to build a rewarding career with us.</p><p><b>Requirements:</b></p><ul><li>Freshers and experienced candidates are welcome.</li><li>Excellent communication and interpersonal skills.</li><li>Strong ability to build and maintain client relationships.</li><li>Capable of generating leads through customer referrals and cold calling.</li><li>Understand customer needs and recommend suitable financial solutions.</li><li>Goal-driven and able to achieve monthly sales targets.</li></ul><p><b>What We Offer:</b></p><ul><li>Competitive salary <b>AED 3,000 &ndash; AED 5,000</b> (based on experience) + attractive incentives.</li><li>Opportunity to work with leading UAE banks.</li><li>Supportive work culture and regular training sessions.</li><li>Career growth and development opportunities.</li></ul><p><b>Apply Now:</b> prasoon.pk@fintrekmarketing.com<br/>Visit us: www.fintrekmarketing.com</p><p>Job Types: Full-time, Permanent</p><p>Pay: Up to AED5,000.00 per month</p>

Relationship Officer (credit card consultant)

مصرف الراجحي

<div><div><h4 class="jobSectionHeader"><b>&#1608;&#1589;&#1601; &#1575;&#1604;&#1608;&#1592;&#1610;&#1601;&#1577;</b></h4>
<p></p><div><p>Support the bank&rsquo;s Micro and Small Business (MSB) lending operations by conducting thorough credit analysis of applications, ensuring sound credit decisions are made in line with the bank&rsquo;s policies and risk appetite. The role involves detailed assessment of financials, business performance, compliance to credit criteria, and risk factors associated with MSB clients.</p>
<p><b>
KEY ACCOUNTABILITIES::</b></p>
<p><b>
Credit Evaluation &amp; Risk Analysis</b></p>
<ul>
<li>Analyze credit metrics of MSB applicants.</li>
<li>Conduct qualitative and quantitative assessments of clients' creditworthiness.</li>
<li>Prepare and present credit assessment reports with recommendations to Senior Credit Specialist.</li>
<li>Ensure all applications are assessed in line with internal credit policy, regulatory guidelines, and risk appetite.</li>
</ul>
<p><b>Policy &amp; Compliance:</b></p>
<ul>
<li>Adhere to regulatory and internal credit policies, including Shariah requirements where applicable.</li>
<li>Contribute to the continuous improvement of credit assessment tools and processes.</li>
<li><b>Participate in internal audits, portfolio reviews, and risk reporting activities.</b></li>
</ul>
<p><b>Collaboration &amp; Stakeholder Engagement</b></p>
<ul>
<li>Work closely with Sales, Product, and Operations teams to ensure alignment and data completeness.</li>
<li>Liaise with external parties for documentation verification if needed.</li>
<li><b>Provide feedback and recommendations for policy refinement based on field insights.</b></li>
</ul>
<p><b>FRAMEWORKS, BOUNDARIES, &amp; DECISION MAKING AUTHORITY:
</b></p><p><b>Operates under the guidance of the Senior Specialist MSB Credit. Exercises delegated authority within agreed business objectives.</b></p></div><p></p>
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<p></p><div><p><b>Minimum Qualifications:</b></p>
<p>
University degree in a Business Discipline.
</p><p><b>Minimum Experience:</b></p>
<p>
Minimum 1-3 years of experience in Banking, or a Financial/Investment institution.
</p><p><b>Job-Specific Skills:</b></p>
<ul>
<li>Strong financial and credit analysis skills.
</li><li>Good knowledge of the English language</li>
<li>Computer literacy
</li><li>Excel skills</li>
<li>Analytical and conceptual thinking</li></ul></div><br>
<p></p>
<p></p>
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Officer MSB Credit Analysis.058482

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