Credit Manager

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:

1. 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.
2. Approving the credit proposals up to the designated limit or recommending the proposals to the upper approving limit.
3. Provides satisfactory credit decisions (approve, decline, conditional)/ recommendation / judgment & add value to the analysis of the credit proposals.
4. Contribute to achieving the department objectives, goals & policies.
5. Provide timely report to SME Risk Head for any discrepancies / negative indicators.
6. Work closely with the business in a consultative and proactive manner to ensure credit procedures & policies are effectively implemented & desired standards are met
7. Collaborate with the Business to make sure receiving complete set of documents required for review / analyses of the credit application.
8. Conduct site visits (whenever is needed) to the customers to evaluate the quality of the management / operations & credit worthiness.
9.  Highlight risk factors & mitigation, in each credit application.
10. Conduct any other assignments assigned by line manager

RESULTS REQUIERD:

1. Ensuring Minimum error during reviewing the application.
2. Ensuring TAT is as per SLA with Business. 
3. Proper due diligence undertaken for processing / recommending credit proposal. 
4. Ensure no regulatory issue for cases reviewed
5. To attend and pass training courses as prescribe
6. 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