Senior Credit Manager Commercial Bank of Dubai

Job holders at this level are directly responsible for conducting assessments of completed credit proposals primarily related to Government Related Entities (GREs). 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.

Responsibilities:

• Receives credit proposals for GREs and examines them to ensure completeness of supporting information/ documents and compliance with Bank s requirements.
• Undertakes detailed analysis of proposals by strictly adhering to:
• Basic principles of lending
• Bank s procedures & Policies
• UAE Central Bank Rules
• Regulations wherever applicable to assess quality and proper asset selection.
• Conducts proper due diligence as to identification of gaps, if any in terms of disclosures/ information in proposals
• Prepare clear well-structured credit summary for presentation to CC and BEC. CC and BEC decision are based on this credit summary.
• Addresses further queries/ requirements if any required raised CC or BEC members
• Exercise the delegated approval authorities within the matrix approved by the CC, enabling the incumbents to have approval powers for a certain level of transactions within the managed portfolio of clients.
• Support Unit Head and Head of Wholesale Credit on various Ad-hoc projects relating to improve in credit processes
• Actively participate in Triple C and portfolio monitoring exercise.
• Responsible for quality of allocated portfolio. Time escalate any critical issues to senior stakeholders.