Job Purpose:- To process / scrutinize credit applications (CAs) and other credit related requests pertaining to lending proposals for the Banks customers (from commercial to corporate and financial institutions) received from Business Units by reviewing various associated credit risks. Thereafter to approve credits within delegated credit approval discretion, or make suitable recommendations thereon for consideration of the appropriate approval authorities to ensure booking of profitable risk assets. In addition to ensure effective monitoring and review and initiate necessary remedial action wherever deemed necessary with a view to enhance / improve the overall risk quality of the Banks advances portfolio and minimize losses. Key Accountabilities

• Credit Review: In-depth analysis of credit proposals based on financial and non-financial parameters.

Client calls, if necessary, to be made to add value to process. This function also includes review of individual daily transaction forwarded by unit via TT/e-mails. To be turnaround within the time as set within the SLA.

• Credit Rating: Each credit to be graded independently based on assessment of parameters laid down within the Banks credit grading system. Ensure upgrading and downgrading exercise is conducted on an on-going basis in order to have a realistic measure of overall portfolio mix at any given point in time.
• Credit Processing: Raise queries with Business Units regarding the CAs and follow up with them for speedy response in order to ensure that the proposals are processed in an expeditious manner within the stipulated time-frame as per the Banks standard service level agreement guidelines / benchmark parameters.
• Credit Support: Provide appropriate guidelines to the Relationship Managers and other staff members to ensure that the proposals are structured / tailored in line with the Banks prevailing credit policy and credit risk appetite and is also in compliance with the guidelines of the UAE Central Bank.
• Credit Recommendation: Where credit approval decisions are in excess of delegated financial powers, credit proposal is escalated to the appropriate higher credit authority as required, with recommendation for supporting / not recommending the proposal. Same process is applicable to daily TT/e-mail transactions

initiated by the Business Units covering cash payments, clearing transactions and trade finance transactions.

• Credit Approval: Within discretionary powers, wherever applicable, approve credits + transactions on merit and with responsibility. Each credit decision (both approval and declines) to carry a formal noting along with justification / reasons / basis. Process Extracts of the CCC meetings covering proposals that have been cleared by the CCC, requiring approval of the Executive Committee and / or the Board of Directors for proposals that have been cleared by the Central Credit Committee. Discretionary authority for approvals

within own discretion jointly with SMC up to AED 15m. Experience and Skills:- Professional qualifications Certified Associate of the Chartered Institute of Bankers, London or equivalent Work Experience At least 6 to 9 years of all-round Banking experience including exposure to Credit, Operations and Trade Finance areas. Core experience of at least 3 to 6 years in Credit Dept is essential out of which preferably at least 2 years in one of the leading UAE / GCC based Banks. Exposure to marketing area will be an added advantage. Job Types: Full-time, Permanent Pay: AED15,000.00 - AED17,000.00 per month Ability to commute/relocate:

• Dubai: Reliably commute or planning to relocate before starting work (Required)

Application Question(s):

• Are you okay with 12 months Contract?
• Are you Graduate Degree in Commerce or BBA with major in Finance or Banking?

Education:

• Master's (Preferred)

Experience:

• Credit, Operations and Trade Finance areas: 6 years (Required)
• one of the leading UAE / GCC based Banks: 2 years (Preferred)

Language:

• Arabic or Sinhala (Required)

Location:

• Dubai (Required)