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Credit Manager

Credit Manager

ADIB - Abu Dhabi Islamic BankDubai, United Arab Emirates
12 منذ أيام
الوصف الوظيفي

Credit Manager Job Description

Role : Credit Manager

Location : Dubai

Role Purpose :

The c xrole includes review / analyze customers Credit Applications, Availments and SFCAs. Check documents and genuineness of financial statements, conduct financial and non-financial analysis for Credit Proposals in accordance with bank policies and rmend the financing package that meet customer requirements / capabilities.

Key Accountabilities of the role

RESPONSIBILITIES :

  • To review credit applications ofpanies and ensure that they are in-consistent with credit programs, TM RAC, bank's policy, central bank law & regulations.
  • Approving the credit proposals up to the designated limit or rmending the proposals to the upper approving limit.
  • Provides satisfactory credit decisions (approve, decline, conditional) / rmendation / judgment & add value to the analysis of the credit proposals.
  • Contribute to achieving the department objectives, goals & policies.
  • Provide timely report to SME Risk Head for any discrepancies / negative indicators.
  • Work closely with the business in a consultative and proactive manner to ensure credit procedures & policies are effectively implemented & desired standards are met
  • Collaborate with the Business to make sure receivingplete set of documents required for review / analyses of the credit application.
  • Conduct site visits (whenever is needed) to the customers to evaluate the quality of the management / operations & credit worthiness.
  • Highlight risk factors & mitigation, in each credit application.
  • Conduct any other assignments assigned by line manager

RESULTS REQUIERD :

  • Ensuring Minimum error during reviewing the application.
  • Ensuring TAT is as per SLA with Business.
  • Proper due diligence undertaken for processing / rmending credit proposal.
  • Ensure no regulatory issue for cases reviewed
  • To attend and pass training courses as prescribe
  • Maintain satisfactory internal and external audit ratings
  • Specialist Skills / Technical Knowledge Required for this role :

  • Excellent judgement,munication and interpersonal skills.
  • Initiative, analytical & risk evaluation / mitigation
  • Good analytical and technical skills.
  • English Language / Arabic is plus.
  • Excellentmunication and interpersonal skills
  • Job ID 300002422323974

    إنشاء تنبيه وظيفي لهذا البحث

    Credit Manager • Dubai, United Arab Emirates