senior specialist - Abu Dhabi, United Arab Emirates - Sunbulah Group

Description

Process credit applications, perform creditrisk assessments, support the business unit in managing customerrelationships, and protect and improve the quality of assets in theassigned portfolio in order to support the achievement of theGroup's defined financial and non-financialobjectives.

Portfolio management:
Process newand existing credit offers, monitor allocated portfolio and conductannual reviews (eg: limit extension, limit renewal, risk ratings,facility utilization, account behaviour, client strategy) forexisting clients to ensure continued portfolioquality

Financial analysis:
Analysis offinancial statements (Moody's indicators) from the balancesheet, profit and loss statement and cash flow statement. Conducttrend analyses, ratio analysis and provide an opinion on thefinancial situation as well as financial projections to ensure thatdecision makers have a clear view of the client's financialsituation

risk assessment:

Identify potentialrisks (for example:
business risks, financial risks, structuralrisks) to assess and mitigate the extent of their impact andforecast the possibility of taking risk mitigation measures toensure the health and quality of theportfolio

Moody's Risk Analysis Rating(MRA):
Publish financial statements using Moody'sRisk Analysis (MRA) and agree to client subjective criteria toensure that Moody's Rating (certified or illustrative) isaccurately generated

Policies, processes, systems andprocedures:

Adhere to all approved policies, processes,procedures of the relevant entity and guidelines to ensure thatwork is carried out according to the required standards and in aconsistent manner while providing the required level of service tocustomers and stakeholders.

selfmanagement:
Manage self in accordance with theBank's people management policies, procedures, processesand practices to ensure compliance and maximum benefit fromone's own business performance