Specialist- Credit
3 weeks ago
JOB PURPOSE:
The job role forms key part ofGroup Credit by recommending new credit and extensions of creditfacilities through analysis of financial documents and providessupport to the UAE branches and DSF key accountabilities includecredit review of mortgageloans.
Core responsibilities
- DevelopsProposal Related to Credit Transactions and Risks based on ClientsFinancial information reviewed through relateddocuments
- Evaluates Clients Credit Data andinformation and financial statement in order to determine thedegree of risk associated with the account and facilitate thedecision making process based on creditworthiness
- Ensure that the credit documentationis complete for the purpose of facilitating the application processand ensures approvals on the same are obtained from delegatedauthority.
- Manages the exception level(insufficient/deferred security documents and exception reports)efficiently and within the specified standards andtimelines.
- Ensure timely and accurateProductivity reports are maintained and forwarded on timely basisto reportingManager.
PoliciesSystems Processes &Procedures
- Ensures tocomply with audit requirements internal and external reportingobligations in line with the policy guidelines to ensure highstandards of uniformity and consistency across FAB. Adherence topolicies processes and procedures of FAB along with Central BankRegulations
SelfManagement Responsibilities
- Defines performancegoals at the start of the year in discussion with the reportingmanager and ensures that the goals are achieved during the courseof the year.
- Identifies training anddevelopment requirements for self and agrees on them with thereporting manager to ensure that the required trainings arearranged and attended.
- Strives to achieve thehighest levels of proficiency on all the competencies and skillsrequired to perform the role.
- Keeps abreast ofprofessional developments new techniques and current issues throughrelatedtrainings.
People
- Maintainprofessionalism and effective communication with colleagues withinthe Unit and all otherDepartments
- Adhere to your individualduties and responsibilities at alltimes
SpecificAccountability
- Analyseclients financial statements Bank Statements & or / AuditedStatements and review clients credit history to meet banks lendingstandards.
- Ensure completeness andcorrectness of documentation in order to avoidfraud.
- Minimize risk by maintainingunderwriting quality and ensure that proposed amount is in linewith the Bank policy.
- Highlight credit risks /mitigants and ensure deviations are captured as per policy whilerecommending proposals for approval to the LineManager.
- Ensure all system checks are performedcorrectly and reviewed as per process.
- Ensureinformation is correctly reflected in CAS before changing the stageto the next level for approval.
- Ensure toprocess applications within agreedtimelines.
- Perform EV CPV whereapplicable.
- Execute any other responsibilitiesentrusted by the LineManager.
Qualifications:
MinimumQualification
- Bachelorsdegree in Business Administration Management Banking or any relateddiscipline.
MinimumExperience
- 3 yearsrelevant experience including 1 year in similar role
RemoteWork :
No
EmploymentType :
Fulltime
Key SkillsEAM,Food Technology,ACMaintenance,Corrosion,Arabic Cuisine
Experience: years
Vacancy: 1
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