Credit Manager - Dubai, United Arab Emirates - Emirates NBD

Emirates NBD
Emirates NBD
Verified Company
Dubai, United Arab Emirates

1 week ago

Ahmed Al-Mansouri

Posted by:

Ahmed Al-Mansouri

beBee Recruiter
Description

1. Organization Unit Purpose

  • Appraisal, assessment & control of credit exposures.
  • Control function, which ensures group takes on assets which meets the Group's standards on lending in terms of risk.
  • Set up Credit policies which allow us to process credit proposals from Commercial Banking Units within agreed timeframe and thereby set up Service Level Agreements which will define turnaround time and ensure response levels.
  • Ongoing measurement of Credit risk
  • Assessment of provisions, portfolio
  • Setting up of delegated limits.

2. Job Purpose

  • Assessing credit proposal from the allocated Commercial Banking portfolio, to ensure these fit within Bank's strategy and Credit policy.
  • Meet customers to get firsthand view of the proposal and undertake site visits as required.
  • Ensure that lending proposals are in compliance with Bank's credit policy and also in compliance with UAE Central Bank's regulatory norms.
  • Monitoring portfolio of assets and exercising close surveillance to ensure its healthy status; research and analyze both micro and macro development in relation to credits to provide anticipatory warnings of risks, foresee danger signals and advise measures to prevent losses.
  • Identify weak accounts within allocated portfolio and recommend for downgrading with or without provisioning.
  • Control, monitor and followup credits via review of irregular and past due accounts, pending documentation and overdue renewals.
  • Interacting with business managers up to the level of Heads of Business Banking Credit.
  • Undertaking special projects and assignments in credit area

3. Job Content (Describe the key results delivered by the job holder, how they are measured and the tasks performed to achieve the results?)- Key Results- Performance Measures- Main TasksInternal-Process

  • Quality of delivery and Adherence to Process (Qualitative)
  • Quality of Credit Recommendations &/or approvals; necessary escalations/discussions.
  • Adherence to Policy/ Processes/ Guidelines.
  • Undertake sector/ portfolio reviews.
  • Ensure proactive portfolio management through regular monitoring of a/cs especially PD/ OLEM/ EAR a/cs & reduce NPLs.


  • Customer-Services

  • Deliver best in class customer service across all touch points (Qualitative)
  • Maintain Service Quality and adherence to TATs.
  • Proactive Business Support/ Quality of interaction with allocated BUs (to be 2 way).
  • Understand Customer Needs and undertake BU/ customer visits as required.


  • Internal-Compliance

  • Ensure compliance with external regulations and internal controls (Qualitative)
  • Accuracy & quality of comments on various reports; monitor exception reports & a/cs for timely inclusion on EAR as per control & Monitoring policy.
  • Escalate covenant breaches & other audit remarks.
  • Contribute towards achieving acceptable INA rating.


  • Employee-People

  • Skills Development (Qualitative)
  • Initiative to improve knowledge and technical skills.
  • Develop product, policy & procedures knowledge.
  • Effective interaction with colleagues to share knowledge.
Initiatives-Project

  • Policy, Process Improvements (Qualitative)
  • Contribute towards policy/ process revisions, industry reviews besides revised authorities & controls.
  • Proactiveness to provide suggestions for overall improvement in policy, procedures or processes.
  • Initiative and involvement in special projects from time to time.

4. Problems & Decisions

Problems and Decision

Desired Outcome

  • Timely approval of credit proposals (within DLA & SLA)Superior customer service without compromising on Risk.

Outcome**:
Increased business growth and revenues for Bank.

  • Timely review/rescheduling of facilities or restructuring of accountsProactive approach to portfolio management via timely identification of potential problem a/c's and initiating steps to regularizing them.

Outcome**:
Leads to less provision & more profits for Bank

5. Job Dimensions

Specifications

Description of Knowledge / Skill etc.

Desirable or Essential
-
Education

  • General
  • Professional
Bachelor or Master's Degree

Diploma/certification in banking/finance

CA/CFA/CPA/CMA

Essential

Essential

Desirable
-
Experiences
(Years & Type)

  • Industry
  • Regional
  • Functional
8+ years (Banking, of which min 5 years in SME/Commercial Credit), preferably within UAE

Essential
-
Knowledge & Skills

  • Technical
  • Managerial
Knowledge of SME/Commercial finance products including Trade Finance, Treasury, Real estate and Project finance

Ability to prioritize responsibilities, and shows potential to progress to Q grade in due course
-
Behavioral Competencies

  • Thinking Related
  • People Related
  • Self-Related
Analytical with attention to detail.

Ability to manage high volumes, while ensuring required due diligence

Ability to work independently and positive team spirit

Ability to interact with various levels of seniority

Initiative to learn and improve credit skills

Shows potential t
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