Credit Manager

1 week ago


Dubai, Dubai, United Arab Emirates Emirates NBD Full time

Organization Unit Purpose

  • Appraisal, assessment & control of credit exposures.
  • Control function, which ensures group takes on assets which meets the Group's standards on lending in terms of risk.
  • Set up Credit policies which allow us to process credit proposals from Commercial Banking Units within agreed timeframe and thereby set up Service Level Agreements which will define turnaround time and ensure response levels.
  • Ongoing measurement of Credit risk
  • Assessment of provisions, portfolio
  • Setting up of delegated limits

Job Purpose

  • Assessing credit proposal from the allocated Commercial Banking portfolio, to ensure these fit within Bank's strategy and Credit policy.
  • Meet customers to get firsthand view of the proposal and undertake site visits as required.
  • Ensure that lending proposals are in compliance with Bank's credit policy and also in compliance with UAE Central Bank's regulatory norms.
  • Monitoring portfolio of assets and exercising close surveillance to ensure its healthy status; research and analyze both micro and macro development in relation to credits to provide anticipatory warnings of risks, foresee danger signals and advise measures to prevent losses.
  • Identify weak accounts within allocated portfolio and recommend for downgrading with or without provisioning.
  • Control, monitor and followup credits via review of irregular and past due accounts, pending documentation and overdue renewals.
  • Interacting with business managers up to the level of Heads of Business Banking Credit.
  • Undertaking special projects and assignments in credit area.

Person Specifications

Education

  • Bachelor or Master's Degree
  • Diploma/certification in banking/finance
  • CA/CFA/CPA/CMA

Experiences

  • 8+ years (Banking, of which min 5 years in SME/Commercial Credit), preferably within UAE

Knowledge & Skills

  • Knowledge of SME/Commercial finance products including Trade Finance, Treasury, Real estate and Project finance
  • Ability to prioritize responsibilities, and shows potential to progress to Q grade in due course


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