AVP & Lead- Credit Management (Emiratised Role)

Job Description

JOB PURPOSE:

Prepare, recommend, gain approval for and advise outcome of the approving authority's decision to units submitting credit facility applications and other transaction or one-off requests pertaining to Commercial Banking Customers.

KEY ACCOUNTABILITIES:

• Responsible for preparing /processing all credit related issues / requests originating from business units and conducting comprehensive analysis & assessment of such requests, based on which recommendations to be made for approval / rejection by appropriate approving authority or as applicable decisions to be provided based on delegation matrix with the objective of ensuring that only high-quality assets are booked.
• Manage a portfolio of accounts and undertake regular follow-up with Business units on normal credit facility accounts where follow-up is required according to the terms of credit approval to ensure compliance. Also undertake monitoring on early warning cases and take updates from Business units to safeguard the interest of the bank and have follow-up on client commitments.
• Undertake additional projects to support the Credit Team activities.
• Undertake additional responsibilities, including system checks, MIS reports etc as directed by Credit Head.

Qualifications

Minimum education required:

• Bachelor's degree level in accountancy / commerce / economics / finance with Master's degree being an added benefit.

Experience:

• About 5-8 years banking experience of which at least 5 years in Credit