Corporate Credit Manager - Dubai Banking Jobs

Job Title: Corporate Credit Manager

Reporting to Credit Risk Head

To process / scrutinise credit applications (CAs) pertaining to small and medium sized exposures received from Marketing Units by reviewing various associated credit risks and mitigates and to approve credits within delegated credit approval discretion, or make suitable recommendations thereon for consideration of the appropriate approval authorities to ensure booking of profitable risk assets. Moreover, to ensure effective monitoring and initiate necessary remedial action wherever deemed necessary with a view to enhance / improve the overall risk quality of the Bank’s advances portfolio and minimise losses.


Job Accountabilities and Responsibilities
· Credit Review: In-depth analysis of credit proposals based on financial and non-financial parameters. Client calls, if necessary, to be made to add value to process. This function also includes review of individual daily transaction forwarded by unit via TT.
· Credit Rating: Each credit to be graded independently based on assessment of parameters laid down in BOFRAS or such other risk rating system that has been implemented.. Ensure upgrading and downgrading exercise is conducted on an on-going basis in order to have a realistic measure of overall portfolio mix at any given point in time.
· Credit Processing: Raise queries with marketing Units regarding the CAs and follow up with them for speedy response in order to ensure that the proposals are processed in an expeditious manner within the stipulated time-frame as per the Bank’s standard service level agreement guidelines / benchmark parameters.
· Credit Support: Provide appropriate guidelines to the Relationship Managers to ensure that the proposals are structured / tailored in line with the Bank’s prevailing credit policy, Unit’s Asset Writing Strategy, and is also in compliance with the guidelines of the UAE Central Bank
· Credit Recommendation: Where credit approval decisions are in excess of delegated financial powers, credit proposal is escalated to UHCR or a higher credit authority in the credit chain under cover of a formal memo detailing basis for recommending / not recommending the proposal. Same process is applicable to daily TT transactions.
· Credit Approval: Within discretionary powers, wherever applicable, approve credits + transactions on merit and with responsibility. Each credit decision (both approval and declines) to carry a formal noting along with justification / reasons / basis.

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