Credit Management
ppradheep@gmail.com
+971505012432, +971522116350
Competent professional with significant ability to identify initiatives and facilitate action-driven plans to support financial growth
Portfolio Management
Trade & Working Capital Finance
Credit & SWOT Analysis
Risk Management
Operational Risk
Documentation
Anti-Money Laundering
Client Relationship Management
Highly accomplished & focused professional with MBA (Finance) leveraging
nearly 10 years of experience in Credit management, Portfolio
Management, Credit Analysis and appraisal for SME sector (Trade Finance
& Business Finance)
Currently associated with United Arab Bank, Sharjah (Trade Finance),
Credit Officer-SME Credit Risk
Proficient in monitoring clients’ portfolio performance, conducting profitability analysis, rendering sustained advisory services for securing high
ROI and increasing retention levels
Capital markets & risk management professional with expertise in Moody’s
Analytics, measuring & managing risk through credit analysis, economic research and financial risk management
Noted for strong leadership, team building and restoring financial health of the company by managing debt recovery and resolving queries both internally and externally
Key role in delivering significant business impacts and contributing to the company by evaluating reconciliation processes and implementing improvement initiatives geared towards streamlining credit collections processes
Successfully collaborating with banks & maintaining close links with all customers to ensure smooth running of accounts and encouraging timely recovery of payments
Since Jun’15 with United Arab Bank, Sharjah (Trade and Working
Capital Finance)
Credit Officer-SME Credit Risk
Key Result Areas:
Conducting: o Risk & financial statement analysis and scrutinizing relevant documents before sanctioning loans o Credit analysis, summarizing working capital requests and submitting the same to credit committees for approval
Documenting degree of risk in extending credit or lending money
Generating financial ratios and examining the financial status of the clients
Identifying & comparing liquidity, profitability and credit histories of establishments with similar establishments in the same industries and geographic locations
Performing checks and due diligence for adverse news / information to minimize the occurrence of frauds and obtain necessary clearance or escalate to relevant departments if required
Reviewing commercial customer files to classify and select delinquent accounts for collection

Monitoring activities including processing of recovery of past dues from guarantors’ accounts and allocation of provision to doubtful accounts as per the management guidelines
Undertaking transfer of defaulted loans to remedial unit for collection and legal action
Rescheduling & restructuring existing loans / trade finance facilities in line with customer request based on the repayment capacity
Managing daily transaction / Operational matters of assigned portfolio
Liaising with inter departments including Trade Finance, Operation, Credit
Admin, Treasury, Compliance and Head Office for day to day transactions on regular basis
Monitoring the facilities to assure the maximum utilization of funds and get maximum profitability within assigned portfolio
Conducting frequent field visits & stock inspections
Undertaking documentation and filing before & after the approval of the lending proposal along with account opening formalities
Obtaining credit reports from other banks and g cross checking details forwarded by clients about other banking arrangements
Monitoring accounts to avoid past-dues and to follow-up on unauthorized excesses and irregularities and presenting to SRM and Unit Head
Taking CBRB reports on quarterly basis to review central bank classification of the Borrowers / LBD drawers / Project Paymasters
Accomplishments:
Maintained loan sanction turnaround time (TAT) of 3-5 days
Jan’11-May’15 with RAK Bank, Dubai (RAK Trade, Business Finance
and Islamic Business Finances) as Credit Analyst
Key Result Areas:
Managed credit & short term proposals; turned around within stipulated time
Comprehended customer requirements & escalated if required for in-depth analysis
Conducted SWOT analysis & highlighted the strengths & weaknesses in account
Kept a track of credit check of clients with other banks
Liaised with other support departments & relationship managers for troubleshooting & decision making
Used various tools for financial analysis such as ratio, comparative and statement analysis
Accomplishments:
Mentored new Credit Analysts on internal credit and imparted continuous training on Finacle Software to enhance productivity & operational efficiencies
Received Best Credit Analyst Award for outstanding performance and due diligence in risk assessment
Nov’09-Dec’10 with Emirates Bank, Dubai (Business Finance &
Merchant Loans) as Relationship Officer
Key Result Areas:
Prepared & proposed credit proposals for small and medium entities
Created & managed portfolio of bank customers
Sustained long-term relationships to foster development opportunities
Organized various field visits & stock inspections

Sep’07-Oct’09 with Barclays Bank, Dubai (Business Finance)
Relationship Officer
Key Result Areas:
Prepared spreads, analyzed & interpreted financials of the companies with related comments and called for in-house updated financials and projected cash flow
Studied observations made by approving authority during controlling of renewal-expired documents / insurance
Monitored documentation & filing before & after the approval of the credit facility along with account opening formalities
Apr’06-Aug’07 with Ocwen Financial Solutions Pvt. Ltd., Bangalore
Credit Analyst
Key Result Areas:
Evaluated: o Borrower’s credit report and managed other supporting documents o Bankruptcies, judgments, delinquencies, liens and collection accounts o Mortgage repayment practices of the borrowers by reviewing mortgages that borrower had committed o Income documents as per the loan program and debt to income ratio & housing expense ratio and ordered out missing documents
Completed training with Rak Training Academy, Rak Bank, Dubai on:
Finacle Software
Islamic Banking System
Anti-Money Laundering
IRDA (Insurance Regulatory Development Authority of India)
Banking Application: Finacle (Core banking system)
Risk Analytics Model: Moody’s Risk Analytics
Operating Systems: MS Windows 98/XP/2000/7/10
Applications/Packages: MS Word, Excel, PowerPoint & Access and Internet
Tools
Date of Birth: 1 st August 1981
Languages Known: English, Hindi and Malayalam
Driving License: GCC
Nationality: Indian
Passport No.: M5744887 / Valid Till: 01/02/2025
Address: Dubai, United Arab Emirates