Senior Relationship Officer, Manufacturing

2 weeks ago

Sharjah, Sharjah, United Arab Emirates United Arab Bank Full time
Senior Relationship Officer, Manufacturing - Wholesale Banking

Job Purpose

  • Responsible for preparing and assessing credit proposals to achieve a high quality of WB credit portfolio.
  • Responsible for maintaining quality of assigned credit proposals that reflect the best practice to regulate the risk assets of the WBG.
  • Raising technical authorization requests for temporary excess limits and extension of facilities validity dates etc. so as to obtain timely authorization for credit facilities from appropriate authorities.
  • Closely monitor the assigned credit portfolio to avoid any irregularity and to maintain good health of credit risk assets and keep the seniors informed about developments.
  • Coordinate with other departments to render effective services to corporate customers.

Principal Accountabilities

  • Actively contribute for development of business through the Relationship Manager by marketing new customers and also through the existing customers.
  • Underwrite credit appraisal including financial, business and risk analysis and ensuring that Credit Approval Package is submitted as per credit policies, TMRAC and CBUAE guidelines.
  • Assess and structure credit lines in consultation with RMs that meet credit criteria and client business needs.
  • Ensure timely submission of credit proposals as per agreed SLA/TAT.
  • Technical authorizations for any excess over limit, extension of expiring lines etc for the assigned portfolio, so as to obtain timely authorization from the concerned departments.
  • Maintain good quality portfolio by effective monitoring of past dues and credit quality.
  • Ensure asset classification is in line with regulatory and policy guidelines.
  • Monitoring of covenants & Early warning signals and highlighting such obligor movement to Early Alerts.
  • Manage problem loans closely and recommending appropriate strategy and remedial action plan in consultation with RMs.
  • Coordinate with corporate support team in operational & back office work for timely preparation of securities documentation and periodic reports for submission to H.O. and management of credit files.
  • Participate and assist in all credit-related aspects of internal/external audits including Central Bank inspection.
  • MIS & risk reporting on Early alert accounts/problem loan to credit department.

Qualifications & Experience

  • Bachelor's degree Preferably in Commerce & Finance.
  • 3+ years of Credit Risk management and corporate lending.
  • Problem solving and dispute settling.
  • Good understanding of protocols and procedures to be compliant with UAE regulations and requirements.
  • Good credit assessment, structuring and documentation skills.
  • Ability to develop and update credit risk management policy, procedures, documentation.

Seniority level: Associate

Employment type: Full-time

Job function: Other

Industries: Banking

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