To spread customer financials, monitor covenants and assist the unit in effective and efficient account / portfolio management.
To prepare Reconciliation statement of Risk rating mismatches with T-24 and Credit LENS
To prepare MIS related to the portfolio including monitoring of central bank reports for changes in customer\'s ratings in central bank.Key AccountabilitiesMaintain a database of all borrowing customer relationships and their financial year endsAnalysis of financial statements
\xef\x82\xa7 To spread the borrower\'s/prospects audited financials, in-house financials, Moody\'s Credit LENS software.\xef\x82\xa7 To check financial spreads for breach of bank-imposed financials covenants.Preparation of a summary of findings and key risks/ trends based on the financial spreads (additional)Maintain a database of in-house management financial information covenants for each of the borrowing relationships / maintain a log-sheetPreparation of various MIS reports required for the management of the Bank\'s Credit portfolio and regulatory reporting requirements.Other AccountabilitiesOther AccountabilitiesJob ContextThe Sr Officer acts as an important part of the credit appraisal and underwriting process of the Bank so that the customer\'s financial data is correctly analysed. In addition, the job holder is a vital support to the MC/SMC/EC to conduct the Unit\'s operations efficiently and in a timely manner.EducationBachelor\'s Degree related to a business field such as Accounting, Commerce and EconomicsExperience and SkillsProfessional Qualifications
MBA/CA/ACCA preferredWork Experience
For professionally qualified, not essential, however, for a graduate up to 2 years\' experience in a finance role with basic knowledge of accounts is preferredTechnical CompetenciesCredit Evaluation and Analysis -Credit -BasicVerification and Structuring-Credit-BasicControl and Monitoring- Credit- ProficientAccounting and Financial Analysis-Credit-AdvancedCredit Policies and Compliance-Credit-ProficientRecovery Strategy and Management- Credit-BasicNPL Portfolio Management- Credit-BasicBehavioural CompetenciesChange and Innovation - BasicCommunication - BasicEvaluating and Solving Challenges - BasicResults Orientation - BasicWorking and collaborating with others - Basic

National Bank of Fujairah