WEEK (2): Thursday, Feburary 24, 2011

I was doing Auto Loan QA Check List and I did once because “Ms. Mona” who is training me and other employees had urgent meeting with their manager. But, I felt little bit comfortable with that but I should do more practices on this check list to be professional in this. Also, I had meeting with Supervisor of DWC “Mr. Tridib” and with my Supervisor in the work placement. I was so happy to see you Sir because you are one of the DWC teachers even you didn’t taught me before but I hope see you again. I will try my best to work hard and make an appointment with my Supervisor "Ms. Meeta".

WEEK (2): Wednesday, Feburary 23, 2011

I did 2 Auto Loan QA Check List, “Ms. Mona” was training me that. One I did with her and she taught me but I didn’t understand it perfectly because she was busy. So I was confused and worry about it then, I told her I will do another one to practice more on it. When I was doing it I asked her many questions to understand it more.

WEEK (2): Tuesday, Feburary 22, 2011

I did one Auto Loan Application Decision for Salaried Customer and I was using Moza’s System Check for two customers then I printed out for evidence to the bank. Furthermore, I was doing 3 Credit Auto Loan Check List for Salaried Customer to practice more on the calculation and I was asking the staffs if I have any questions related to the calculations. After that, I felt comfortable on that because I practiced more I can do this Check List of Auto Loan.

WEEK (2): Monday, Feburary 21, 2011

I was doing 4 Auto Loan Application Decision for Salaried Customer and I was using Moza’s System Check for 6 customers then I printed out all for evidence to the bank. Moreover, I did one file car loan which was included the Auto Loan Application Decision for Salaried Customer, Phone Verification for Salaried Customer, Credit Auto Loan Check List for Salaried Customer, System Check and to check all papers that needed there such as passport copy and visa, labour card or ID card, Pay slip, bank statement and driving licence. But, the System was little bit difficult and I was confused because I was doing it once a day and there is short cut. Also, I can’t use the computer with access because am not staff. Then, I went to my Supervisor Ms. Meeta taking about the system because they were teaching me on it without having my own computer and access to the system. After that, she spoke to them to not teach me the system but the rest you they can teach me. Later, I felt so comfortable because I practiced a lot on the application forms by asking employees questions.

WEEK (2): Sunday, Feburary 20, 2011

I was working on Auto Loan Application Decision for Salaried Customer so I did 2 to practice more of these applications. Moreover, I did one file car loan which was included the Auto Loan Application Decision for Salaried Customer, Phone Verification for Salaried Customer, Credit Auto Loan Check List for Salaried Customer, System Check and to check all papers that needed there such as passport copy and visa, labour card or ID card, Pay slip, bank statement and driving licence.

WEEK (1): Thursday, Feburary 17, 2011

Holiday :)

WEEK (1): Wednesday, Feburary 16, 2011

For the fourth day of my work placement, I worked with “Mr. Amin” and he was very helpful to answer my questions even when he was so busy doing the cases and forms. He taught me how to use the phone and who I call. Moreover, he gave me 10 forms of Phone Verification Report so I called 10 customers twice to ask them verification questions one of his/her mobile to make sure who will answer us and HR Office to make sure that customer is working in this company or not. In this day, I filled out 10 forms and 2 forms of Auto Loan Application Decision. Then, I gave all the forms back to Mr. Amin to help him and he was so happy of my work. I liked this way of teaching me to be independent with his helping if I has any problem on how to do the application form or if it's neccessary.

WEEK (1): Tuesday, Feburary 15, 2011

For the third day of my work placement, I worked with 2 staffs which are “Ms. Muna” and “Ms. Moza AlShamsi and her job title is Credit Analyst-Auto loan.

Muna taught me the Dedupe Sheet-System in specific and I understood each system well. Dedupe Sheet-System is a SCB system check for customer who applied for Car loan by using name of the customer, passport number, Date of Birth, and account number. For instance, system check if the client have any loans such as Mortgage loan, Personal loan or Auto loan, credit cards, cheque returns, clients liabilities, and account in different banks.

Moza AlShamsi was kindly and helpful to teach me the Central Bank Check (CBRB), NORKOM, Auto Loan Application Decision and Phone Verification Report in specific and I understood those two systems very well. Also, she was teaching me each system with explaining it very clear after each system I did it by myself and I feel very comfortable to work with her. For example, system check if the customer has any blacklist in the Central Bank check only, if the client has matches in name and country so he is risky for the bank, "Auto Loan Application Decision" it’s a form that includes customer name, car model , down payment, price of the car and total amount and small boxes if the customer has all the requirement papers such as passport, visa, latest salary certificate, dealer letter, and UAE driving licence, “Phone Verification Report” it’s a form to fill out. There are two way to call the customer such as Mobile and Office. It depends on the customer salary and if he/she is working in the same bank or another company. My duty was to ask the client and HR office some questions such as company name, department, position, ID number, Date of join, Salary AED, did he/she apply for car loan or not, and the car price. These questions I have it but I should tick on boxes just to make sure about the information. Then, I have to put the date and time that I called them, name of the customer, number that I called them and result if he/she answered me or not.

Furthermore, she taught me each application form and how to use the printer. Also, I should print out 5 pages of those papers like one NORKOM paper, Customer paper, Non Customer paper, two Central Bank of UAE with full name. But if there is alert or any risk then will be total of 7 pages.
Furthermore, Moza and I did 2 Auto Loan Application Decision and 5 Phone Verification Report.

WEEK (1): Monday, Feburary 14, 2011

For the second day of my work placement, I had assigned to work with the same department for the whole 8 weeks which is Credit and Collection Department. I worked with 2 employees which are “Ms. Chanda Pardeshi” and “Mr. Ishtiaq Wali Mohammed and their job title is Credit Analyst-Auto loan.

They taught me just to take an idea in general how to do the Auto Loan Application Decision for Salaried (Personal) and Business (Company) Customer, Dedupe Sheet-System, Other Check Verification Form for Salaried (Personal) and Business (Company) Customer, and Credit Check List Auto Loan for Salaried and Business Customer. I didn’t do anything in the second day by myself but I was asking them many questions related to those forms and how to write it well. Moreover, Ms. Chanda showed me on her computer how to do the Dedupe Sheet-System. Also, Mr. Ishtiaq was helpful in answering my all questions about the all application forms and he showed me the system that he using it on computer.

WEEK (1): Sunday, Feburary 13, 2011

I had assigned to work with Credit and Collection Department. For the first day of my work placement, I met Ms. Sindhu Sreekumar, 4th floor Standard Chartered headoffice, Mankhool Street, next to Ramada hotel. First of all, she had introduced me to the group code of conduct of the organization with CD and gave me a contract paper that I signed on it. Also, she took a photocopy of my passport and one photograph them gave me ID card so I can enter the bank with it like DWC Islam Gate.

I had to read a Credit Auto Loans booklet for Standard Chartered Bank to be aware about the term and regulation of Credit Auto Loans. My mentor “Ms. Meeta Kuber” was very helpful to answer my all questions about the Credit Auto Loans. Furthermore, she is trying to teach me about the department in different steps, so I can get use to all the tasks. Moreover, she introduced me to the three staffs and I liked the way that they introduced me to the Policy Head of Credit Cards “Aasim Iqbal”, Policy Head of Mortgages “Faraz Khalid”, and Credit Initiation Head “Radliha Rao”. For the time being, everything is good and I do like the organization.