Role : Credit Manager
Location : Dubai
Role Purpose:
The c xrole includes review / analyze customers Credit Applications, Availments and SFCAs. Check documents and genuineness of financial statements, conduct financial and non-financial analysis for Credit Proposals in accordance with bank policies and recommend the financing package that meet customer requirements/ capabilities.
Key Accountabilities of the role
RESPONSIBILITIES:
- To review credit applications of companies and ensure that they are in-consistent with credit programs, TM RAC, bank’s policy, central bank law & regulations.
- Approving the credit proposals up to the designated limit or recommending the proposals to the upper approving limit.
- Provides satisfactory credit decisions (approve, decline, conditional)/ recommendation / judgment & add value to the analysis of the credit proposals.
- Contribute to achieving the department objectives, goals & policies.
- Provide timely report to SME Risk Head for any discrepancies / negative indicators.
- Work closely with the business in a consultative and proactive manner to ensure credit procedures & policies are effectively implemented & desired standards are met
- Collaborate with the Business to make sure receiving complete set of documents required for review / analyses of the credit application.
- Conduct site visits (whenever is needed) to the customers to evaluate the quality of the management / operations & credit worthiness.
- Highlight risk factors & mitigation, in each credit application.
- Conduct any other assignments assigned by line manager
RESULTS REQUIERD:
- Ensuring Minimum error during reviewing the application.
- Ensuring TAT is as per SLA with Business.
- Proper due diligence undertaken for processing / recommending credit proposal.
- Ensure no regulatory issue for cases reviewed
- To attend and pass training courses as prescribe
- Maintain satisfactory internal and external audit ratings
Specialist Skills / Technical Knowledge Required for this role:
- Excellent judgement, communication and interpersonal skills.
- Initiative, analytical & risk evaluation / mitigation
- Good analytical and technical skills.
- English Language/ Arabic is plus.
- Excellent communication and interpersonal skills