Amrath Wazeer Salam
No,807, Dubai Islamic Bank Building , Sharjah
Summary
Thorough banking professional knowledgeable about bank products, processes and regulations. Confident and organized in helping consumers navigate sometimes-complex systems to achieve financial goals and boost bank profitability. History completing impeccable work balancing institutional and consumer needs.
Overview
10
10
years of professional experience
Work History
Credit processing associate
Tanfeeth - Subsidiary of Emirates NBD
Dubai, United Arab Emirates
07.2023 - Current
- Processing and Disbursal of Auto Loan Applications.
- Processing and Disbursal of Home Loan products
- Processing and Disbursal of Credit Card Applications.
- Ensuring cases are processed under the given TAT.
- End to end Document Verification for Auto Loan, Home Loan and Credit Card.
- Processing Seller payments via Telegraphic Transfer , Direct account Credit and Managers Cheques and other relevant accounting entries.
- Circulating Loan disbursal MIS to Sales.
- Collecting Processing Fees and other relevant charges from the customer prior an post disbursal.
- Closure of Loans and settlements.
- Allocating files for processing and assisting when required to provide relevant documents.
- Communicating with the sales staff to quickly get the discrepancies resolved and foreseeing the deals to be disbursed with the shortest delays.
- Handling customer complaints and Sales disputes in an orderly manner to keep a tight bond between the teams.
Credit Process Analyst - Corporate Banking / SME
Commercial Bank of Ceylon PLC
Maradana, Colombo, Srilanka
08.2019 - 02.2023
- Cashflow Preparation to understand the future necessity of a company.
- Evaluating Loan requests and processing.
- Evaluation of Short Term Loans & Overdraft facilities,
- Evaluation of Pre shipment loans, Evaluation of Letter of Guarantees,
- Amendments / Review of permanent Loan/Overdraft facilities,
Junior Executive Assistant - Recoveries
Commercial Bank Of Ceylon PLC - Kotahena Brannch
Kotahena, Colombo, Srilanka
01.2018 - 07.2019
- Loan Recoveries for all products (PL / HL / SME )
- Regular follow ups with customers to get the loans serviced on time and not letting the loans go in to Non performing.
- Calling and Home visits for recoveries and to instruct proper servicing of facilities.
- Initiating Legal action and attending courts for undergoing recovery cases filed by the bank on behalf of the branch.
- Rescheduling the loans as per customer agreement and income levels to streamline repayment
- Assisting customers with there difficulties and advising when required.
Junior Executive Assistant / Head Teller
Commercial Bank of Ceylon PLC -Kotahena Branch
Kotahena, Colombo, Srilanka
04.2016 - 12.2017
- Cash operations & Handling of cheques and handling cash shortages and Cash excesses.
- Cash Loading of ATM machines with daily cash requirements and handling disputes.
- Account opening (Savings/Time/Current and Minor savings),
- Gold Pawning.
- Processing of Short Term Loans / Working capital loans.
- Canvassing customers for all other products within the bank.
- Assisting customers and advising customers with choices of banking products depending on their requirement.
- Processing International transfers , Telegraphic transfers , local transfers.
- Stationary Management.
Banking Trainee
Commercial Bank of Ceylon PLC - Kotahena Branch
Kotahena, Colombo, Srilanka
02.2014 - 03.2016
- Understanding banking operations and procedures by performing assigned projects and responsibilities throughout various banking departments.
- Trained for all the branch activities such as Cash Operation, Cheque Clearing, Account Opening, Credit operations, Customer handling and Canvassing of banking products,
Education
Master of Business Administration - General
University of Bedfordshire, UK
Oxford College of Business Srilanka /2022 -
Certificate - Anti-Money Laundering
FINTELEKT
Srilnaka /2021 -
Foundation Course - Human Resource Management (FCHRM)
Institute of Personnel Management
Srilanka /2014 -
Foundation - Accounting
Association Of Accounting Technicians (AAT)
Srilanka /2013 -
Certificate - MS Office
British College
Srilanka /2013 -
Diploma - Computerized Accounting
British College
Srilanka /2013 -
College Graduation - Commerce - English Medium
Benhil College
Srilanka /2013 -
High School Graduation - - English Medium
Oxford College
Srilanka /2010 -
Certificate - - English Medium
The Association Of International Schools
Srilanka /2007 -
Certificate - Spoken English
Institute Of Western Music & Speech
Srilanka /1999 - /2009
Skills
- Loan documentation
- Accounting software
- Credit risk management
- Financial planning
- Loan recovery processes
- Credit analysis
- Loss mitigation strategies
- Problem-solving
- Multilingual
- Communication skills
Languages
English
Proficient (C2)
Sinhala
Proficient (C2)
Tamil
Proficient (C2)
Accomplishments
- Value Champion Q4 2023 - Was recognized by Emirates NBD bank for the exceptional commitment beyond the scope of the role.
Timeline
Credit processing associate
Tanfeeth - Subsidiary of Emirates NBD
07.2023 - Current
Credit Process Analyst - Corporate Banking / SME
Commercial Bank of Ceylon PLC
08.2019 - 02.2023
Junior Executive Assistant - Recoveries
Commercial Bank Of Ceylon PLC - Kotahena Brannch
01.2018 - 07.2019
Junior Executive Assistant / Head Teller
Commercial Bank of Ceylon PLC -Kotahena Branch
04.2016 - 12.2017
Banking Trainee
Commercial Bank of Ceylon PLC - Kotahena Branch
02.2014 - 03.2016
Master of Business Administration - General
University of Bedfordshire, UK
/2022 -
Certificate - Anti-Money Laundering
FINTELEKT
/2021 -
Foundation Course - Human Resource Management (FCHRM)
Institute of Personnel Management
/2014 -
Foundation - Accounting
Association Of Accounting Technicians (AAT)
/2013 -
Certificate - MS Office
British College
/2013 -
Diploma - Computerized Accounting
British College
/2013 -
College Graduation - Commerce - English Medium
Benhil College
/2013 -
High School Graduation - - English Medium
Oxford College
/2010 -
Certificate - - English Medium
The Association Of International Schools
/2007 -
Certificate - Spoken English
Institute Of Western Music & Speech
/1999 - /2009