credit analystWhat type of job are you looking for? Credit officer or bank sales What nationality are you? Indian What languages do you speak (and at what level)? Tamil,English,Malayalam,Kanada excellent level What country or area are you looking to work in and why? Oman why because it's a business area as well as it's very peacefull area What field do you currently work in? Credit Analyst What fields have you worked in before? Sales afterthat as a Credit Analyst What qualifications do you hold? Master of Business Administration,Master of Arts in Economics, Which do you consider more valuable? Formal education or skills and why? MBA is Valuable why because I did it as a regular stream Describe the benefits of working with others If i'm working with others always i'll be a good team player and also as a proper coordinative person, Always i'll be a number one person compare with others in the work part and others also Describe the benefits of working alone what ever i'm having my office work always i'll finish my work on that day itself,i never ever post pond it that is my benefits of working alone What was your worst working experience? If any one will interrupt in my work and i'll get irritate and that is my worst work experience What is the most important lesson you have learnt throughout your career? As a good team player and good coordination,Time management,Discipline What unique skills do you have? like proper puncuality and give proper response to others What would you consider as your 'dream job'? As a good manager in a good organization(bank) What are the most interesting aspects of your field? 1.Credit dept What are the least interesting aspects of your field? Banking sales dept Please replace this with a question of your own My contact number is 0091 9600897759 PARTHIBAVEL SUBRAMANIAN Mobile: +919600897759 Email: parthibavel@gmail.com Objective With my strongest foundation of learnability and continuous improvement, I always make myself conversant for the jobs assigned. Professional Summary • Having 5+ years of experience in the field of Marketing, credit analysis & operations in banking. • Exceptional analytical skills with great ability to understand financial statements, and cash flow analysis. • Profound familiarity with structuring credit packages to meet the needs of bank customers. • Proven ability to meet established goals through effective time management that allows handling of multiple transactions throughout the workday. Experience Summary • Working as a sales support cum credit analyst with Dubai First, UAE from January 2008 to till date • Worked as a Relationship Officer and credit analyst in RAK Bank, Dubai from January 2007 to Dec 2007 • Worked as a Sr. Marketing Executive in GE Countrywide, Bangalore, India from June 2004 to November 2006. Academic Qualifications MBA (Marketing and Human Resource Management) Bharatiyar University, India 2002- 2004 M.A(Economics) M.K. University, India. 2004 - 2006 MLM (Masters in Labour Management)(Pursuing) M.K. University, India. 2006 - 2008 Professional Experience Dubai First Bank (PJSC) Jan 2008 to Till date Sales Support cum credit analyst Responsibilities Assist the Vice President to perform daily operations for Retail Banking and prepare MIS reports for all my branches. Responsible for branch marketing & business development to generate quality asset growth. Verify the applications from 250 RO’s, 33 SDM’s, 7 SSDM’s according to the company policy and send for operations. Investigate the customer’s applications according to their pervious records in the central bank. Customize the pending reports and assist the sales executives for their backlog’s and their forecast’s. Assist Sales Development Manager’s on the day-to-day needs as it pertains to Credit Analysis. Generate source code for the new employees. Prepare new strategy for generating reports. RAK bank, Dubai, UAE. Jan 2007 – Dec 2007 Relationship Officer and Credit Analyst Responsibilities Developed relationships with new and existing customers to provide and improve continuous business. Analyze applicant’s financial status, credit and property evaluations to determine feasibility of granting loans and credit cards. Review loan agreements to ensure that they are complete and accurate according to policy. Compute payment schedules. Stay abreast of new types of loans and other financial services and products to better meet customer’s needs. Investigate the customer’s applications according to their pervious records in the central bank. GE Countrywide, Bangalore, India June 2004 – Nov 2006 Sr. Marketing Executive Responsibilities Mortgage Loans within specified limits, and refer loan applications outside those limits to management for approval. Meet with applicants to obtain information for loan applications and to answer questions about the process. Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information. Review and update credit and loan files. Review mortgage loan agreements to ensure that they are complete and accurate according to policy. Submit applications to credit analysts for verification and recommendation. Achieve the pre-assigned target for business growth and delinquency control Achieved 150% of the target and was awarded as the best performer for my consistency in Nov 2005. Personal Information Nationality : Indian Date of Birth : 02-06-1980 Marital Status : Single Languages Known : English, Tamil, Malayalam & Kannada Availability : Immediate How can potential employers contact you? If the employer is proper definitly they will call to my contact number | 
