1. Curriculum Vitae
Binesh Jose Chittilapilly Kokkat
Mobile: 00971-050-7441482
Mobile: 00971-050-3268128
jbinesh@gmail.com
josebinesh@rediffmail.com
EXECUTIVE SUMMARY
 Credit Analyst in Consumer Finance Unit - Auto Loans (Mar ’14 – Mar ’16)
 Credit Processor in Consumer Finance Unit - Auto Loans (Oct ’10 – Mar ’14)
 Credit Support Executive in Barclays Bank – Personal Loans (Oct’07 – Oct ’10)
 Sales Co ordinator in ABN Amro Bank – Personal Loans (Aug’06 – Oct’07)
 Territory Sales Co ordinator in HBL Global Pvt Ltd ( Mar’05 – Aug’06)
WORK EXPERIENCE
Credit Analyst in Emirates NBD Bank - Consumer Finance Unit - Auto Loans (Mar
’14 – Mar ’16)
Job Responsibilities and Duties:
 More than 2 year experience in consumer finance unit with a deep knowledge on
the credit processes and banking operations in the UAE.
 Verify and examine information and accuracy of applications and closing
documents as per the laid policy & procedure.
 Review customer accounts, financial statements to determine repayment trends
and transactions.
 Undertake risk assessment analysis of the lending proposals.
 Assign loan amounts, approve & reject loans after a thorough review of company
Profile.
 Prepare the cases for disbursal after conducting several internal system checks
& document verification.
 Ascertain details and resolve queries from the company respective
representative
 Contact credit bureaus, companies involved in same industries and other
sources to check applicant's credit worthiness.
 Interacting with company authorized person / signatory for understanding
business module and resolving technical queries upfront
 Advising and recommending changes to policy and procedures.
 Maintaining detailed monthly MIS reports for the various activities under the loan
application process.
 Adhering to all policies and fulfilling all audit requirements so as to ensure all
checks are being performed before finalizing a proposal.

2. Credit Processor in Emirates NBD Bank - Consumer Finance Unit - Auto Loans
(Mar ’14 – Mar ’16)
Job Responsibilities and Duties:
 Supporting Banking Operation Centre for Quality assurance for all approved files
prior to booking. If any discrepancies inform the sales team for resolving. Cross
check all the original documents, post Dated cheque’s along with security cheque,
standing Instructions, submitted at the time of booking with the copies submitted
during approval
 To evaluate and analyze loan applications according to the guidelines of the Product
Policy within the given time frame.
 Maintaining TAT level (90% of applications within 1 working day). Ensure acceptable
work quality with zero errors.
 Identify and implement training requirements for new staffs.
 Proactively identify potential fraud in the application & Ensure all documentation is
provided according to the product programme.
 Preparing MIS reports of CPV for all 9 branches, consolidate the given data; ensure
accuracy and rectification of exceptions within defined target dates.
 To recommend decisions within approved delegated authorities.
 Coordinating with field investigators, preparing reports –MIS for investigation, and
responsible for costing for finance department every month.
 System Checks for Dedupe(world check and central bank Ebi,Eib and Nbd bank
loans, credit card details and embounce.
 Files Inflow and Outflow MIS, Approval MIS.
 Preparing Approval Letters for customers
 Files Pending and Decline MIS. Prepare and analyse the MIS reports for – CIU on
daily basis.
Credit Support Executive in Barclays Bank – Personal Loans (Oct’07 – Oct ’10)
 Files Inflow and Outflow MIS ,Approval MIS, Files Pending and Decline MIS
 Preparing Approval Letters for customers
 Prepare and analyze the MIS reports for – CIU on daily basis, also report the same
to Senior Managers
Sales Co ordinator in ABN Amro Bank – Personal Loans (Aug’06 – Oct’07)
 Daily MIS report with respect to compliance of internal control and information
systems.
 Files Inflow and Outflow MIS ,Approval MIS, Files Pending and Decline MIS
 Disbursal files documentation checking and detail data entry for loan
disbursal,cheques collecting and sending to operations,Disbursal files Mis.
 Credit appraisal of individual clients.
Territory Sales Co ordinator in HBL Global Pvt Ltd ( Mar’05 – Aug’06)
 Action with superiors within the functional area and also related support units to
achieve business objectives

3.  Key responsibilities include handling the disbursement of loan for all channels and
meeting required target.
 Ensure all customers documentation is provided according to the product program.
 Liaison with branch and sales staff, providing them with support to function
effectively and efficiently.
 Establish cordial relationship with branches & provide clarifications on any queries
raised
Sales Co ordinator in HBL Global Pvt Ltd ( Mar’05 – Aug’06)
 Car loans - Providing loans and service to the customers. Spearheading the team
and achieving the company’s overall business targets.
 Analyze the business performance and conceptualize plans to enhance the same.
 Generating sales through the sales Executives to meet up with the targets.
 Putting up Helpdesks at the vehicle Exhibitions, Corporate to Dealers Relationship
Management and conducting Sales promotion activities.
ACADEMIC PROFILE
 Bachelor Degree (Calicut University-1995-1998)
 Pre Degree(Calicut University 1993-1995)
TECHNICAL SKILLS
 Diploma in Computers-Niit
 Working knowledge of Internet, MS Word, Power Point and Excel
LANGUAGES
 English, Hindi , Malayalam
PERSONAL INFORMATION
 Profile:  Male , Married
 Date of Birth
 Nationality:
 08-05-1977
 India
 Holding UAE Driving
License
 Yes