Associate Vice President, Credit Review

2 months ago

Dubai, United Arab Emirates Emirates NBD Full time

**For UAE Nationals Only**:

- **Organization Unit Purpose**:
GCD handles the processing/evaluating/approval of Credit requests from clients in the WB, PB, SME, PRB and small part of mass retail segments. The department also handles the credit control and administration activity i.e., post sanction activities for disbursing the sanctioned credit facilities and monitoring. Thus, a major activity of the department is related to handling credit processing/review/security documentation/administration/MIS related to credit controls and portfolio of business customers.
- **Job Purpose**:
This position is responsible to
- Ensure that the credit quality is within the acceptable risk appetite.
- Evaluate and decision FAs with the SME policy and as per DLA.
- Review and authorize excess on merits of the case and within DLA.
- Note approvals done by lower level DLAs and escalate issues if any.
- Consistently be the right partner by
- Providing world class knowledge and expertise on risk
- Help business to consistently and comprehensively identify risks and opportunities through FA, Risk based client monitoring, client visits and participation in Early Alert Committee.
- Improve credit quality and process and demonstrate improvement in turn-around time, reduce refer backs to deliver volume growth within agreed costs.
- Help in identifying, exiting and the recovery process to minimize losses. Consider restructuring of facilities for weak accounts, meeting with these borrowers, attending meetings of Steering Committees, if a member.
- Help train the RMs from time to time. Help Head of Credit and Head of SME and PB Credit
- Conduct portfolio reviews.
- Developing Risk based FA process.
- Depute Head of Credit as and when required.
- Help enhance controls and efficiencies.
- Monitor exceptions and ensuring the delegated portfolio remains within the risk appetite.

**8. Person Specifications**:
**Education: Graduate**

**Experiences **:7+ Years Banking/SME/Corporate & Accounts experience. 5+ Years in Credit function

**Qualifications**

**For UAE Nationals Only**:

- **Organization Unit Purpose**:
GCD handles the processing/evaluating/approval of Credit requests from clients in the WB, PB, SME, PRB and small part of mass retail segments. The department also handles the credit control and administration activity i.e., post sanction activities for disbursing the sanctioned credit facilities and monitoring. Thus, a major activity of the department is related to handling credit processing/review/security documentation/administration/MIS related to credit controls and portfolio of business customers.
- **Job Purpose**:
This position is responsible to
- Ensure that the credit quality is within the acceptable risk appetite.
- Evaluate and decision FAs with the SME policy and as per DLA.
- Review and authorize excess on merits of the case and within DLA.
- Note approvals done by lower level DLAs and escalate issues if any.
- Consistently be the right partner by
- Providing world class knowledge and expertise on risk
- Help business to consistently and comprehensively identify risks and opportunities through FA, Risk based client monitoring, client visits and participation in Early Alert Committee.
- Improve credit quality and process and demonstrate improvement in turn-around time, reduce refer backs to deliver volume growth within agreed costs.
- Help in identifying, exiting and the recovery process to minimize losses. Consider restructuring of facilities for weak accounts, meeting with these borrowers, attending meetings of Steering Committees, if a member.
- Help train the RMs from time to time. Help Head of Credit and Head of SME and PB Credit
- Conduct portfolio reviews.
- Developing Risk based FA process.
- Depute Head of Credit as and when required.
- Help enhance controls and efficiencies.
- Monitor exceptions and ensuring the delegated portfolio remains within the risk appetite.

**8. Person Specifications**:
**Education: Graduate**

**Experiences **:7+ Years Banking/SME/Corporate & Accounts experience. 5+ Years in Credit function

**Primary Location***: United Arab Emirates-Dubai-Dubai - Deira, Baniyas Road, Enbd Head Office

**Job***: Risk Management

**Organization***: Group Credit

**Schedule***: Regular

**Shift***: Standard

**Job Type***: Full-time

Day Job

**Job Posting***: Jan 16, 2023, 2:54:41 AM

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