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 reviewedTo attend and pass training courses as prescribeMaintain satisfactory internal and external audit ratingsSpecialist Skills / Technical Knowledge Required for this role :
Excellent judgement,munication and interpersonal skills.Initiative, analytical & risk evaluation / mitigationGood analytical and technical skills.English Language / Arabic is plus.Excellentmunication and interpersonal skillsJob ID 300002422323974