Unit Manager - SME Credit

Job description / Role

PLEASE NOTE THE CRITERIA FOR SHORTLISTING:

- SME CREDIT experience (Not SME sales/portfolio (service) management, and not Retail/ Large Corporate Credit)
- Demonstrated Team Management experience (this is a Unit manager role leading a team of Credit Managers)

Job Purpose
- To lead and manage Credit Managers/Assistant Credit Managers/Senior Credit Officers and Credit Assistants of assigned working capital stream.
- To assess Business risks and manage Credit functions, ensuring proper risk mitigation, proper structure of limits, sound financial analysis, quality proposals, as per the bank approved parameters and policies.
- Review/assessment of proposals received from SME Credit units (working capital) and falling within the set criteria for SME DLA (delegated lending authority) and make suitable recommendations to the approving authorities.
- Ensuring adherence of the proposals received from SME Credit Units to laid down policy.
- Responsible for administration functions of SME Credit units across the assigned region.
- Responsible for managing/maintaining portfolio quality
- Training of the Team Members including outsourced and also for other teams within CRM in areas relating to SME Credit
- Responsible for managing Internal Audit team/queries and ensuring timely replies and closure
- To follow up with SME Collections on regular basis in respect of early delinquency accounts

Main Tasks and Responsibilities

Operating Budget
- The job holder will be responsible for coordinating the operational expenditure of the assigned team.

Financial Targets
- Will not assume any personal financial targets, but will share the overall responsibility of Gross Provision Numbers of Head SME Credit associated to SME Business team by linking % of performance appraisal to it.
- Will ensure that the Gross Provision Numbers for the year remain within the budgeted numbers

Job Dimensions

Quantifiable
- Follow the laid down Credit-Risk Management Process.
- Adherence to the Portfolio thresholds.
- Number and quality of proposals/requests processed
- Processing & turnaround times of proposals/requests as per the agreed SLAs.
- No of approvals/referrals/rejections.
- Account Grading & Rating is in line with the assessed risks, and up-to-date at all times.
- Alignment of structure & pricing of the proposed limits with customers financial needs.
- MRA Rating and RAROC calculations wherever applicable
- Follow up on the early delinquent accounts with SME Collections/SME Business/Customers if required
- Consider Reschedulement/Restructuring of proposals on need basis
- Discussion with SME Policy on amendments/clarifications to policy related matters
- Training of team members/other teams within CRM
- Timely replies to Internal Audit queries relating to Credit
- Interact with Valuers, Vendors other agencies
- Carryout necessary customer field visit as laid down in each individual product programs.

Non-Quantifiable
- High standards of customer service.
- Attitudes and personal behavior.
- Compliance with ADCB related policies and procedures.

Key Results
- Protection of banks assets and improving the asset quality of the assigned portfolio.
- Striving to achieve or Maintain positive risk-return ratio.
- Effective process governance and risk management.

Main Tasks and Responsibilities

Credit Management
- Performs supervisory functions and exercises delegated authority (if applicable) at the level established by CCR management for this position.
- Ensures preparation of quality assessment notes appropriately highlighting relevant risks (e.g. market risk, business risk, and financial risk) and incorporating suitable mitigates, covenants, and term and conditions & making suitable recommendations to the approving authorities.
- Supervises Credit appraisal/assessment notes, with recommendations to approving authorities.
- Highlight and update the approving authorities of any changes in the risk profile based on important risk indicators (financial, market, transactional, etc.)
- Where a credit decision is required escalates the application to the next authority for direction, review, comment and approval.

Activities / Operations
- Oversee the management/administrative functions of SME units in the assigned Region.
- Establish and maintain a close working relationship with SME Business team in order to properly assess, understand & satisfy customer needs.

Compliance
- Adhere and comply with applicable ADCBs internal policies and procedures, TAT and SLAs as well as governing regulations issued by concerned authorities.
- Cooperate and facilitate work of internal audit within SME credit/risk management to address gaps, and respond to audit reports within agreed deadlines

Administration
- Manage and coordinate all HR and admin aspects of own department.

Capabilities Development Responsibilities
- Staff Development
- Coach & develop UAE nationals as directed by senior management.
- Keeping team morale and motivation at high levels at all times.
- Provide direction, extend support, and share knowledge with the team.

Requirements

Minimum Education Level: Bachelors Degree in a relevant subject (Business, Accounting & Finance, Mathematics)

Professional Qualification: Masters Degree in either Business Administration / Finance / Mathematics / Statistics / Accountancy, OR Post Graduate Diploma in Banking preferred or Qualifications like CA/CFA or FRM

Experience
- Around 10+ years Experience in Corporate Banking/ Mid Corporate / Business Banking /SME / International Banking / Financial and Non Financial Institutions Division / Retail Banking of which 7+ years in a Credit-Risk or Credit Policy related position covering all or any of the following areas:
- Financial statement analysis / forecasting
- Risk assessment / management of working capital proposals/team
- Working Capital Credit facilities structuring and pricing.
- Desirable that the holder should have managed a team of subordinates in related work environment.
- Managing Credit Policy
(Above Experience may be relaxed for Highly Qualified or Exceptional Experience candidates with concurrence of Head of Department)

Specialist Skills/Training required for the Job
- Demonstrate sound leadership skills.
- Understanding of risk tools and skills including statistical modeling, credit scoring and behaviour scoring
- Sound analytical, negotiation, decision-making and problem-solving skills.
- Ability to understand complex customer requirements.
- Sound risk awareness
- In-depth Knowledge of all related areas of banking, including policies, procedures and legislation.
- Proven knowledge of the local market.
- Excellent research/investigative skills.
- Understands legal structures consistent with different type of businesses.
- Effective communicator in any medium, internally and externally
- Hands on resource deployment techniques.
- Determined and self-motivated
- Team player inspire and encourage excellent performance in others to achieve common goals
- Excellent interpersonal, presentation and influencing skills.
- Cultural sensitivity and adaptability.

About the Company

ADCB is a full-service commercial bank offering a wide range of products and services such as retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, interest rate and currency derivatives, Islamic products, project finance, and property management services.