Responsibilities
Accountabilities and Deliverables of Role :
Credit portfolio management
- Support Head of Credit Risk who supports the first line of defense across a number of geographies either as a principle or secondary point of contact. The GCA is to work across all types of transaction including sovereign, corporate and financial institutions.
- The GCA is to provide support in terms of interpretation of the Group Credit Policy its related Standards and Procedures.
- The GCA is available for consultation on Credit Application Forms (CAF) as to whether the CAF is adequate in terms of its explanation and mitigation of the risks associated with the transaction under discussion.
- On submission of the CAF the GCA ensures that it is inpliance with group policies and on any deficiencies and indicate a level of support, be it positive, negative or conditional for the submission.
- On a sample basis (minimum of 10%) the GCA ensures that spreadsheets have beenpiled correctly, covenants have beenplied with and any additional conditionality delivered.
- The GCA is to ensure that any documentation outstanding on the OOO (Out of Order) report is covered in the CAF and reasons provided to mitigate any potential risk.
- The GCA is to monitor developments in the countries he / she covers. There is an expectation of travel to the countries on an annual basis with such visits informing the annual review of the bank's exposure in that country.
- The GCA is to monitor thepleteness of the annual reviews from a country and ensure that they are delivered on a timely basis.
- From time to time the GCA will be required to assist in delivery of reports on sectors within a country or assist in thepilation of a wider report across many jurisdictions.
- As part of the portfolio management process the GCA must identify any relationships or sectors that could result in elevated credit risk or non-repayment of the borrower's obligations. All such names must appear on the report - Accounts Requiring Close Monitoring before being downgraded to a Risk Rating 8.
Risk related project management
Risk related projects canprise a number of items from a single item; such as a report amendment adding to the efficiency or effectiveness of the department, to providing input on a multi-million dollar transformational project. In either instance the GCA is to provide assistance and support as part of the general day to day business.The GCA is expected to record his contribution to projects for evaluation as part of the career management process.Development
GCA must ensure that they are receiving appropriate training from either internal or external sources. The GCA must attend at least one course per annum from an external provider and take regular internal seminars or presentations from subject matter experts.Job Requirements : Knowledge :
Excellent PC skills, particularly MS Office and ability to present information.Goodmunications / interpersonal skills.Good degree of analytical and problem-solving skills.Basic understanding of IFRS requirements.Advantage : Understanding of Banking products and the related market dynamics.Advantage : Awareness of Performance Management toolsEducation / Certificates :
Degree with an element of finance or equivalent, Institute of Bankers associate or equivalentExperience :
Seasoned corporate credit professional (who understands financial as well as other key credit matters) with significant experience (10 years +) of UAE / GCC corporates, market knowledge, UAE / GCC credit contacts along with good stakeholder management skillsPersonal Attributes :
Work as a team member, goodmunication and presentation skills, accountability, and transparencyJob ID AmGkIRSqdvWK