AVP & Lead- Credit Management

Job Description

Generic Accountability

• . Mange the portfolio qualitywith Robust underwriting standards
• . Mange the SLA with Cross functional Teams
• . Mange the team high professional standards.
• . Mange the NPLS below1% on the new Bookings
• . Support BB- Credit head in enhancing operational efficiency
• Follow all relevant departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.
• Demonstrate compliance to organizations values and ethics at all times to support the establishment of a value drive culture within the bank.
• Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction.

Job Specific Accountabilities

• Review and approve Credit proposals within Delegated Authority with SWOT Analysis covering all significant factors (Strengths & Risks) and recommendation by Credit Analysts, ensuring accuracy and completeness.
• Ensure accurate review, approval or recommendation of Business banking proposals in line with the Lending Discretionary Limit within timely manner.
• Review Analysis of proposals by strictly adhering to:

Basic principles of lending Banks procedures & Policies including adherence to Compliance requirements UAE Central Bank Rules Regulations wherever applicable to assess quality and proper asset selection.

• Perform a detailed review of documentation & customers records and assess the viability of the Emerging Corporates Banking requests through detailed credit visits to customer premises if required and make appropriate recommendations based on the conclusions drawn during the visits.
• Conducts proper due diligence as to identification of gaps, if any in terms of disclosures/ information in proposals
• Recommend ways to continuously improve the process & increase efficiency while reducing the turn-around-time.
• Addresses and verify issues or points raised at the review stage
• Ensure MIS (management information system) reports are prepared for emerging corporates banking credit department and submit the same in a timely manner on a weekly basis

Job Specific Accountability

• Review of irregularities (i.e. imperfections/incorrect) on proposals and follow-up as appropriate with the emerging corporates banking sourcing channels.
• Ensure effective communication on credit proposals to business channels, branch managers, segment heads, and other units & unit heads.
• Carry out other strategic assignments given by the head of business banking credit

QualificationsQualification.CA/CFA/MBA in a Finance disciplineExperience.8 years in credit underwriting function.. Atlast 5 years of team management experience in handling similar segments Additional Information. Mange the TWC underwriting function of 150 accounts ( 150 million ) + 400 million new business under projection . To manage Business Banking Credit Underwriting, Manage Credit Facilities, evaluate and assess the credit risk involved in all aspects of the Business Banking Lending Guidelines and make proper recommendations within timely manner keeping in view of agreed set risk guidelines.. Provide a precise approval on Business Banking Credit Proposals within the Discretionary Lending Limit in accordance to the existing/current credit parameters in a timely manner.

Keyskills :

About Company

FAB, the UAE’s largest bank and one of the world’s largest financial institutions offers a an extensive range of tailor-made solutions, and products and services, to provide a customised banking experience. Through its strategic offerings, it looks to meet the banking needs of customers across the world via its market-leading Corporate and Investment Banking and Personal Banking franchises.
Headquartered in Abu Dhabi, in Khalifa Business Park, the bank’s international network spans over 19 countries, across the world, providing the global relationships, expertise and financial strength to support local, regional and international businesses seeking to do business at home and abroad. In line with its commitment to put customers first, to Grow Stronger, FAB will continually invest in people and technology to create the most customer-friendly banking experience and will support the growth ambitions of its stakeholders across the global network in which the bank operates.