Job closed
Ref: HP031-1746
Job description / Role
A leading organization from the banking sector based in UAE is looking to an experienced Manager Group Credit/Senior Manager Group Credit to join their dynamic team of professionals within the Central Risk department. The desired candidates must have at least 7 years of experience in Banking, SME, Corporate and Accounts in the UAE. The ideal candidate must have 5 years of experience in Credit function. The candidate must also have good knowledge of banking products, services & credit systems.
The responsibilities of this role are as follows:
- Ensure that the credit quality is within the acceptable risk appetite.
- Evaluate and decision FAs with the PB and SME policy and as per DLA.
- Review and authorize excess on merits of the case and within DLA.
- Note approvals done by lower level DLAs and escalate issues if any.
- Help Head of Credit and Head of SME and PB Credit
- Conduct portfolio reviews.
- Developing Risk based FA process.
- Depute Head of Credit as and when required.
- Help enhance controls and efficiencies.
- Monitor exceptions and ensuring the delegated portfolio remains within the risk appetite.
Consistently be the right partner by:
- Providing world class knowledge and expertise on risk
- Help business to consistently and comprehensively identify risks and opportunities through FA, Risk-based client monitoring, client visits and participation in Early Alert Committee.
- Improve credit quality and process and demonstrate improvement in turn-around time, reduce refer backs to deliver volume growth within agreed costs.
- Help in identifying, exiting and the recovery process to minimize losses. Consider restructuring of facilities for weak accounts, meeting with these borrowers, attending meetings of Steering Committees, if a member.
- Help train the RMs from time to time.
Requirements
- Graduate degree from a financial background.
- Minimum 7 years of experience in Banking, SME, Corporate and Accounts in the UAE.
- At least 5 years of experience in Credit Function.
- Knowledge of Banking products, services & credit systems.
- Ability to undertake financial analysis and identify risks in credit proposals with specialist knowledge and skills required for providing expert advice at a policy and strategic level.
- In-depth knowledge of the various dimensions of the Market and Industry with ability to keep updated on an ongoing basis and apply this understanding in business analysis and planning.
- Good understanding of the policies, regulations, procedures and can provide guidance and clarification to those involved in implementation.
- Good written communication; able to structure and prepare complex guidelines. Proposals and reports involving presentation and synthesis of diverse information in a logical and compelling manner.
- Conveys and explains operational or business information fluently and coherently in on-to-one and group situations.
- Analytical thinking to strategize according to departments needs.
- Systematic effort to obtain needed data or does formal research using wide range ‘of sources.
- Developing others and supporting team members as and when required.
- Proactively acts on something new to create a future opportunity or bring about an improvement.
- Application of experience and knowledge to make appropriate and timely decisions even when the facts or evidence may be ambiguous or incomplete.
- Acts to support the organization's missions and goals, makes choices and sets priorities to meet organization's needs, publicly acts to fit the mission.
About the Company
Executive Solutions is a different breed of talent consultancy. Driven by a unique philosophy, we think differently and act differently from the pack. Were here to do one thing: to improve our clients businesses by finding, focusing and delivering the most talented people.
We dont just do traditional contingency recruitment. Discovering talent is much more than just matching a CV to a vacancy - its about understanding companys corporate culture and ensuring a comprehensive match. We believe that in order to find the right candidate we must understand the motivations and ambitions of senior management, which is reflected in our personal approach when partnering with a client.
Executive Solutions is your trusted talent solutions partner head quartered in Dubai, specialising in direct talent, tailored talent and HR talent solutions, along with Nationalisation initiatives throughout the Middle East. Driven by a unique philosophy, we incorporate innovative and comprehensive talent management solutions each tailored to suit what our clients need.