Yasmeen Cagalawan
Mississauga,Canada
Summary
Dynamic Senior Credit Analyst at Abu Dhabi Commercial Bank with expertise in fraud risk management and operational auditing.
Overview
10
10
years of professional experience
Work History
Senior Credit Analyst
Abu Dhabi Commercial Bank
Dubai, UAE
03.2014 - 12.2022
- Conducted comprehensive financial analyses to support individual customers and company operations.
- Monitored compliance with Service Level Agreements (SLA) and Turnaround Time (TAT).
- Identified fraudulent activities, reducing risk exposure and enhancing analysis quality.
- Managed discretionary decision-making adherence within established guidelines.
- Verified customer records against Central Bank Report to effectively mitigate risks.
- Ensured accuracy of daily productivity data for Management Information System (MIS) reports.
- Achieved targeted productivity levels, optimizing output during peak periods and month-end.
- Executed internal self-audits on processed cases to maintain low risk ratings.
Legal & Recovery Officer
Citibank N.A.
Dubai, UAE
05.2013 - 09.2013
- Reported to the Vice President – Recovery.
- Conducted review and evaluation of Not Performing Asset of the bank including Credit Card and Loan, mitigating, and sinking loss circumstances.
- Setup Effectual Operational relations with non-performing defaulting borrowers to ascertain solutions overlooking the bank’s interest and enhancing the security in favor of the bank.
- Recognized the areas of improvement and maximized system utilization to curtail manual processes.
- Supervised the follow-up processes for entire approved settlement agreements to reduce debts, ensuring compliance with borrowers to evade further losses.
- Imparted and recommended settlement proposals with a view to enhance recovery processes.
- Negotiated with the customers to explore the possibilities of a relaxed settlement of liabilities towards mutual interest prior to initiation of legal action.
- Ensured appropriate legal action and application of the same, in case of it being the only alternative, and instantly pursuing the same in close cooperation with the legal department.
- Observed the development of nonperforming loan and determine what stage action to be taken.
- Generated the monthly reports on the status of the various non-performing accounts.
- Piloted activities being performed as per the bank’s policy and procedure apart from audit guidance and periodic review.
- Responsible for legal process for the whole collection department (STL,PIL,AUTO,CARDS & CITIBUSINESS)
- Record keeper for the MIS pertaining to all legal matters for police and civil cases.
- Responsible for evaluation of file prior to submission to lawyer office to ensure completeness and accuracy.
- Responsible for preparing all legal letters pertaining to submission follow ups and releasing of all cases.
- Designed proper legal action that suits each case.
- Manage the relationships with advocates’ offices and bank coordinator for all third party and lawyers offices.
Education
Bachelor of Science of Commerce - Management Accounting
University Of Negros Occidental Recoletos
Bacolod City , Negros Occidental PhilippinesSkills
- Retail risk and underwriting
- Fraud risk management
- Operational auditing and controls
- Operations management
- Field assessments
- Financial analysis
- Market strategy analysis
- Reporting and MIS techniques
- Technology implementation
- Customer service excellence
- Legal recovery and collections
- Banking administration standards
- Microsoft Office proficiency
- Driver's license holder
- Basic Arabic communication
Languages
English Filipino Language & Arabic (Basic level)
References
Subramanian, Balakrishnan, Head of Consumer finance Business, 050-7249660, Abu Dhabi Commercial Bank, Simply life
Training
- Islamic Banking – Emirates Financial Institute, UAE
- Collection Excellence– Emirates Financial Institute, UAE
- Private Banking – Emirates Financial Institute, UAE
- Investment and Insurance compliance – Emirates Financial Institute UAE
- Business Etiquette – Emirates Financial Institute UAE
- Fraud and Investigation (Annual) – Citibank, UAE
- Compliance and Banks Policy (Annual) – Citibank, UAE
- Policy Refresher Training (Monthly) – Citibank, UAE
- Anti-Money Laundering and Banking Governance Training (Quarterly) – Citibank, UAE
- Customer Service / Up Selling Skills / EHS
EXECUTIVE SYNOPSIS
- Diligent, results-driven, and seasoned professional offering a lucrative and well round experience of 14 years in a wide spectrum of Credit Analysis, Legal collection & Recovery Issues, Credit Initiation Credit Association and research, and Customer Service operations with prestigious organizations.
- Acquire customer and company credit application for evaluation, which includes KYC and Full Company research detail check
- Etihad credit bureau advance check, Central bank, Ministry of economics check, overall financial status of the company, website, GDRN and compliance requirements for company and individual customer.
- Company verification check authenticity by Phone and field visit, physical meeting with company owner and physical business activity check , looking into the company financial books and identify risk and profitability for future credit decision
- Identify Fraudulent and risky activity to assist proper recommendation for credit facility.
- Prepare full analysis, recommendation, reports and observation to validate credit decision with full proof of credit investigation and research.
- Currently spearheaded responsibilities with ADCB (Dubai, UAE) as a Senior Credit Analyst.
- Previously with Citibank (Dubai, UAE) as a Credit Analyst and Recovery & Legal Officer.
- Authoritative subject knowledge and versatile experience in analyzing Collection portfolio, utilizing delegated discretionary decision-making authority, attaining targeted productivity levels, identifying deceitful activities, handling compliance to quality, assuring authentic data, guaranteeing optimum production, and attending deviation approvals.
- Comprehensive expertise in reviewing NPAs, establishing effective operational relations, spotting areas of improvement, handling follow-up processes, suggesting settlement proposals, ensuring relaxed settlement of liabilities, proposing appropriate legal action, ensuring development of nonperforming loans, and processing cases on customer details.
- Characterized as a focused, well-organized, and patient individual, possessing effective management of situations under pressure, willing to grab new opportunities, and excellent analytical and negotiation skills.
- Have completed training on Islamic Banking from Emirates Financial Institute, UAE
ADDITIONAL PAST WORK EXPERIENCES
- May 2001 – Jan 2004 , Emirates Petroleum Company Dubai- Customer Service Agent Supervisor
- Jan 2001 - April 2001, Sales Biding In charge in VJ Marketing - Bacolod City, Philippines.
- June 2000 -Dec 2000 Assistant Executive Secretary - Office of the Chairman Sugar Central Co. Philippines.
- Jan 2000 - June 2000 Assistant Secretary to the Financial Manager in Esteban LL Accounting Firm Phil.
- July 1999 - Dec 1999, Technical Assistant in Provincial Government - Bacolod City, Philippines
- Mar 1998 - Nov 1998, Assistant Shift Leader in Dunkin Donuts Bacolod City, Philippines
- Jan 1997 » Dec 1997, Service Crew Senior Cashier in Dunkin Donuts - Bacolod City, Philippines
- Nov 1996 Jan 1997, Student Practicum in Far East Bank Bacolod City, Philippines
Timeline
Senior Credit Analyst
Abu Dhabi Commercial Bank
03.2014 - 12.2022
Legal & Recovery Officer
Citibank N.A.
05.2013 - 09.2013
Bachelor of Science of Commerce - Management Accounting
University Of Negros Occidental Recoletos
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