Job Purpose
Job holders at this level are directly responsible for conducting assessments of completed credit proposals primarily related to Government Related Entities (GREs). Such applications are usually complex, of a significant value with multiple entities involved in various lines of trade. Analysis is conducted through the application of well-developed investigative and analytical skills and processes. Their findings will form the basis of ultimate decision making.
Responsibilities:
- Receives credit proposals for GREs and examines them to ensure completeness of supporting information/ documents and compliance with Bank's requirements.
- Undertakes detailed analysis of proposals by strictly adhering to:
- Basic principles of lending
- Bank's procedures & Policies
- UAE Central Bank Rules
- Regulations wherever applicable to assess quality and proper asset selection.
- Conducts proper due diligence as to identification of gaps, if any in terms of disclosures/ information in proposals
- Prepare clear well-structured credit summary for presentation to CC and BEC. CC and BEC decision are based on this credit summary.
- Addresses further queries/ requirements if any required raised CC or BEC members
- Exercise the delegated approval authorities within the matrix approved by the CC, enabling the incumbents to have approval powers for a certain level of transactions within the managed portfolio of clients.
- Support Unit Head and Head of Wholesale Credit on various Ad-hoc projects relating to improve in credit processes
- Actively participate in Triple C and portfolio monitoring exercise.
- Responsible for quality of allocated portfolio. Time escalate any critical issues to senior stakeholders.
Requirements:
Qualifications:
- Masters of Business Administration or Commerce
- CFA min Level 2 (preferable)
Experience:
- 8+ year's corporate banking experience with min 7 years in the Corporate Credit function.
Skills:
- Written and spoken English
- Excellent analytical, report writing and presentation skills
- Strong working knowledge MS Office mainly excel
Competencies:
- Good writing skills along with analytical thinking & problem solving
- Stakeholder management and communication skills
