Sr. Officer - Retail Credit (UAE National Only)

Job description:

Job Purpose

The Senior Officer role for Retail Banking is within the Bank's Retail Credit Function. The role of Credit Team is to spread customer financials, monitor covenants and assist the unit in effective and efficient account / portfolio management. The officer will also take part in an development programmes that aim to build his/her capabilities towards his / her career in the Bank.

Key Accountabilities

 Proactively develop technical and behavioural competence
 Build knowledge of the Bank
 Retail Credit support to various stakeholders
 Update the TML with new / deleted companies
 Assist in preparing and conducting the Credit Clinic courses
 Central Bank
 Dashboard Retail Credit
 Overall Retail Credit Collection Assisting
 RCAP / RMS
 TML
 Portfolio Management

Other Accountabilities Other Accountabilities Job Context

Our unit is the centralised credit management of all retail products / underwriting / collections. We need to review the quality of the loans granted, the portfolio behaviour and act as guides to various stakeholders.

Education Minimum University Degree or Higher Diploma Experience and Skills

 Preference for relevant degree ( e.g. Finance, Banking, Accountancy, Business, Economics, etc).
 New Graduate or a Graduate with or up to 2 years of work experience.
 Intermediate MS Office skills.
 Strong written and verbal communication skills.
 Languages – native Arabic speaker and fluency in English (spoken and written).
As well as the above, natural 'networkers' who are able to build loyalty and inspire results, and who can handle a challenging and diverse workload. Previous customer service or sales experience will be favourably considered.

Technical Competencies Credit Evaluation and Analysis -Credit -Basic Verification and Structuring-Credit-Basic Control and Monitoring- Credit- Basic Accounting and Financial Analysis-Credit-Advanced Credit Policies and Compliance-Credit-Proficient Recovery Strategy and Management- Credit-Basic NPL Portfolio Management- Credit-Basic Behavioural Competencies Change and Innovation - Basic Communication - Basic Evaluating and Solving Challenges - Basic Results Orientation - Basic Working and collaborating with others - Basic