Credit Manager

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 recommend the financing package that meet customer requirements/ capabilities.

Key Accountabilities of the role

RESPONSIBILITIES:

To review credit applications of companies 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 recommending the proposals to the upper approving limit.

Provides satisfactory credit decisions (approve, decline, conditional)/ recommendation / 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 receiving complete 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 / recommending 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, communication and interpersonal skills.
• Initiative, analytical & risk evaluation / mitigation
• Good analytical and technical skills.
• English Language/ Arabic is plus.
• Excellent communication and interpersonal skills