Credit Manager

7 months ago


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 time-frame and thereby set up Service Level Agreements which will define turn-around 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 first-hand 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 follow-up 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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