Job Objective:
Review and in-depth analysis of Credit Risk Proposals ensuring in-depth analysis of CPs covering financial analysis, cash flow projections and sensitivity analysis for New and Existing Customers received from Investment Banking Departments covering credit facilities under Structured Finance, international Credit, Financial Institution, Country Limits/Public Sector Risk etc., Monitor on weekly basis exceptions reports pertaining to excesses, overdrawn account overdue and expired credit proposals and discuss the same with Unit Head /Head of Credit/CRO and business heads for rectification.
Job Description:
Ensure that all the Credit Proposals are processed within a stipulated time and that the same are in compliance with the prevailing rules and regulations as conveyed by the Central Bank of UAE
Ensure Credit Due Diligence clearly highlights deviations to Credit Policy Manual/Guidelines/Central Bank Guidelines. In exceptional circumstance where there are any deviations to the existing regulatory / credit guidelines, the same are clearly highlighted and discussed in the CRM recommendations
Coordinate with Unit heads on various aspects of Credit Proposals and follow up on pending matters and issues
Visit customers with SRMs and business heads where necessary
Coordinate with Sharia, legal Department Technical Department and Operation Department on issues related to Credit
Coordinate with IT Department on matters related to systems and Management Information where necessary
Conduct market checks/research and provide feed on customers, business environment and ongoing changes to manage the portfolio
Monitoring of the portfolio and providing continuous feedback to the business divisions on an ongoing basis
Review of monthly MIS of the portfolio managed covering exception reports, utilization of facilities, excesses, past-dues, expired credits, concentration of risk covering group exposure and industry concentration and maintain constant follow up with business units for regularization
Provide feedback on systems process, credit policies with the changing business needs
Job Details
| Date Posted: | 2015-03-08 |
| Job Location: | Dubai, United Arab Emirates |
| Job Role: | Accounting/Banking/Finance |
| Company Industry: | Banking |
Preferred Candidate
| Career Level: | Mid Career |
| Degree: | Bachelor's degree / higher diploma |
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