Curriculum Vitae

Personal Information:
Name: Omer Ali Mohamed Osman
Date of Birth: 11-9-1976
Nationality: Sudanese
E-mail: aliomer711@gmail.com
Mobile No: 0500327953
Marital Status: Married
Address: JEDDAH

Qualifications:

- B.Sc. Omdurman AlAHLIA University Faculty of Art - English department

- Diploma of Marketing Specialist ALMOALEM Technical Institute

Work experience:
 

Bank of Khartoum – Credit (Dec2006- 2021)

Senior Credit Officer Job Responsibilities:

 Meeting with clients interested in taking out a loan and providing them with
the necessary information to start the loan application process.
 Collecting the needed financial documentation and assessing the clients'
creditworthiness.
 Calculating and analyzing the risk ratios of clients based on their credit score
and financial history.
 Approving or denying loan requests, and communicating your decision to both
clients and management.
 Setting up payment plans for clients explaining monthly installment amounts,
interest rates, and other costs.
 Maintaining records of loan applications by using loan management software.
 Managing loan renewals by organizing follow-up meetings with clients.
 Monitoring the progress of the loan application process and relaying any
hindrances to clients.
 Ensuring that loan applications are in line with the company's financial
policies, as well as state laws and regulations.
 Maintain existing and build new corporate clients in accordance with the
guidelines stated in the SME loan policies and procedures to ensure the
secured loans. 
 Collect all clients’ required documents for loan application to verify their
eligibility for the loan.
 Gather valid applicants’ financial records by obtaining and compiling copies of
clients’ credit histories, corporate financial statement and other financial
information in order to prevent from being conned.
  Conduct credit investigation to analyze applicants’ financial status, credit,
property evaluations, repayment capacity to determine feasibility of granting
loans.
 Conduct a site visit during loan assessment process to obtain in-depth
information concerning to the purpose of customer’s loan application and
ensure sufficient and acceptable customer security for the loan.
 Prepare and execute loan contracts and arrange loan disbursement timely and
accurately to fulfill clients’ needs and satisfaction.
 Explain to clients the different types of loans and credit options that are
available as well as the terms of those services for further cross-selling.
 Make the regular site visits to existing customers to determine whether the
loan should stay the same or be downgraded due to the actual condition of
their loan collateral and/or financial situation as well as to develop relationship
with customers for further cross-selling.
 Follow up delinquent client immediately and refer such case to the supervisor
to proactively handle the branch loan portfolio.
 Process registration of title deeds at local authority and land office to acquire
the legal evidence of client’s right to ownership of the property.
 Stay abreast of new types of loans and other financial services and products to
better meet customer needs.

PETRONAS Sudan Country Office (JAN 2004- Dec 2006)

 Follow up to training the trains.
 Coordinator between the PETRONAS Sudan office and the PETRONAS Malaysia
office.
 Send the trains for in job training.
 Monitoring how the training going on other co.
 Generate specific report.

Sales Supervisor:
Zas Air Egyptian (Nov 2003 - Jan 2004)
 Provide customer information about current offers, product, price lists and
general information.
 Subscription information and Billing inquiries and payments, previous months.
 Follow up the costumer complains.

Training Courses:

 Diploma in computer science office management

Skills:
Software:

 MS Windows (2000,XP,VISTA&7 )
 MS Office and MS Outlook
 Internet

Further Information:
Skills:

Training courses:

 Business ethics
 Business orientation
 Business etiquette

Others:
 Good Communication & Reporting skills
 Ability to work as part of team
 Good Presentation skills
 Ability to work under pressure
 Self-motivation

Languages:
 Arabic: mother tongue
 English: fluent

Hobbies and interests:

 Watching & play football matches
 Physical fitness-gym
 Traveling
Other information

 Valid Driving license