Officer - Credit Analyst - Corporate Credit ( UAE Nationals Only)

Job Purpose:
Job holders at this level work under close supervision of the Unit Head/Team Leader. They are however expected to function with a fair degree of independence when conducting assessments of completed credit proposals related to the corporate segment of the portfolio. Such applications are usually complex, of a significant value with multiple entities involved in various lines of trade. Analysis is conducted through the application of well-developed investigative and analytical skills and processes. Their findings will form the basis of ultimate decision making
Principal Accountabilities:
1. Receives credit proposals under Corporate, Syndication & Elite Segments and examines them to ensure completeness of supporting information/ documents and compliance with Bank s requirements.
2. Conducts proper due diligence as to identification of gaps, if any in terms of disclosures/ information in proposals.
3. Addresses and clarifies issues or points raised at the review stage prior to preparation of the SWOT Analysis
4. Prepares credit proposals with SWOT Analysis covering all significant factors (Strengths & Risks) for review and recommendation by Team Leaders, ensuring accuracy and completeness.
5. Addresses further queries/ requirements if any required by the Team Leaders / Unit Head for decision making or initiation of the decision process.
6. Communicates the Management decision on credit proposals to Business Analysts, RMs, Branch Managers, Segment Heads, Other Units & Unit Heads
7. Maintains proper records for receipt, processing & disposal of credit proposals/ JETS for monitoring reports, internal/ external requirements
8. Provides clarifications to Credit Control Unit for the preparation of post approval borrowing documentation.
9. Assists in Special Projects/ Assignments that are entrusted by the Team Leader/ Unit Head/ Management

Qualifications:
Bachelor s Degree in a Finance related discipline
Experience:
4 to 5 year s finance experience with 2 years in general banking and 2 to 3 years in the Credit function