Job Location | Abu Dhabi, United Arab Emirates |
Education | Not Mentioned |
Salary | Not Mentioned |
Industry | Other Business Support Services |
Functional Area | Not Mentioned |
Company DescriptionAre you a highly driven Emirati banker with 3+ years of experience? The FAB Specialized Banker Program is tailor-made for you.The 2-year learning and development journey offers personalized coaching, hands-on training, and expert mentorship to accelerate your career progression to a senior leadership role. Review, analyze, recommend, and approve credit proposals in line with the approved credit policies and delegation of authorities, procedures, and market dynamics to produce high quality of credit assessment memos for underwriting purposes. Approve credit applications for a value up to AED 15 million (TBA/Part of their delegated authority) Given the High Net worth and sensitive nature of the clientele worth of more than AED 100Mio and above individually, actively engage with the senior business counterparts (Area Managers/Business Heads etc) to ensure that the proposed facility is adequately structured to meet the clients? expectations within the bank?s underwriting standards. Building up a client servicing culture by ensuring relationship with the front line and peers department are well maintained and engaged Adhere to & comply with departmental policies, standard operating procedures and practices so that the work is carried out in a smooth & methodical manner. Exhibit consistency with organization?s values and ethics at all times to demonstrate a value driven culture within the bank. Contribute towards continuous improvement and sustainability of policies, systems, process and methods in line with changing needs and requirements so as to efficiently carry out the duties. Have in-depth understanding of regulatory and internal real estate credit policy. Exhibits good communication & writing skills when preparing & submitting credit proposals to approving authorities within the Bank. Possesses a wide skill range & experience in Real Estate Finance, Corporate Finance, Credit management, Relationship management, Interpretation of Financial Analysis and Credit Evaluation. Analyse Client?s financial statements - Bank statements and /or Audited financial Statements/Rental Roll Report/ Collateral Details etc, investigate client?s credit history/credit reports/ system checks to meet bank?s lending standards. To work out the credit rating of the customer as per the bank?s credit rating portal. Ensure completeness & correctness of documentation in order to avoid fraud and/or delinquency in the future. In depth analysis of all loan related borrower?s/Property financial ratios like turnover ratios, debt service coverage ratio to ensure error free underwriting and ensuring that the loan amount proposed is in line with TM-RAC. Review & analyse restructure requests given by the existing loan customers and recommend in line with the bank?s policy/TM-RAC. Review deferral/waiver requests given by the existing customers and recommend the same keeping in mind the credit risk involved. Review and approve loan applications and service requests efficiently and within the agreed SLA?s.
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