| Job Location | Abu Dhabi, Dubai - United Arab Emirates |
| Education | CA Inter(Chartered Accountant), Chartered Accountant(Chartered Accountant), Diploma, Bachelor of Commerce(Commerce). |
| Salary | Not Mentioned |
| Industry | Banking / Financial Services / Broking |
| Functional Area | Not Mentioned |
To plan, and lead or participate as a member in credit reviews of the portfolio quality of corporate, commercial, financial institution and retail borrowers and associated Credit Risk Management Process. Coach and guide the Credit Examiners. Produce a balanced report highlighting the risk issues supplemented with practical recommendation. Keep a track on the portfolio risk and credit risk management process through desk monitoring.PRINCIPAL ACCOUNTABILITIESEvaluates the Portfolio Quality (PQ) and associated Credit Risk Management Process (CRMP) in terms of the standards established in the Credit Policy. Assessment of CRMP includes review of the adequacy and effectiveness of Portfolio Planning, Organization & Staffing, Risk Recognition, Credit Applications, Credit Approval, Account Management, Loan Documentation, On-going Loan Admin & MIS.2. Identifies credits having potential weaknesses so that timely actions can be taken.3. Assesses the adequacy of the provision of impaired advances.4. Prepare plan for individual on-site credit exam.5. Review efficiently of credit portfolio to address the major risks associated with subject portfolio under review.6. Keeps an on-going interaction with the Unit management clarifying the credit issues and obtain their buy-in.7. Keeps Manager-Credit Review abreast on the development of the review.Conduct exit meeting with the Unit to discuss all the issues and removefactual inaccuracies.Prepare draft report, executive summary and related action plan for review of Manager-Credit Review & Head-Internal Audit. The report should be well balanced with focus on risk issues and supplemented with practical suggestions.9. After the review & editing, prepare the final version for sign-off and ensure its dispatch to all recipients.10. Completion of Working Paper Files adhering to Department?s standards.11. Monitor the Action Plan with the Unit till final resolution.12. Maintains positive and professional relationships with line management to share common concerns on credit issues.13. Provides input for the revision of credit review programs/approach to achieve specific objectives in more effective/efficient manner.14. Participates in the review of Credit Policy and related procedures and provide practical suggestions for revision.15. As part of desk monitoring, review various MIS periodically received from assigned Units to surface risk or process weaknesses.16. Keeps informed about improvements and current developments in banking environment, and in credit review & risk management standards, procedures, and techniques. Assists new team members to assimilate with the environment of the Dept.JOB CONTEXT( Internal or external environment in which the job operates)Undertaking fieldwork in the context of internal audit examinations of the bank diversified activities and operations. Execute the work in coordination with the team members and in line with departmental standards and within agreed time frames. The position calls for interaction with auditee staff usually at supervisory, lower and middle management levels, with whom positive working relationships have to be maintained.
Keyskills :
Audit Auditing CA CPA CIA CISA
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