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DESCRIPTION

This senior role is required to manage and maintain the Credit appraisal process for Large Corporates.

Responsibilities will include:

Credit Appraisals

Review credit proposals to ensure completeness of supporting information / documents and compliance with Bank’s requirements.
Occasionally visiting clients to understand client’s business model and requirements, and accordingly recommending financing solutions
Conduct proper due diligence as to identification of gaps, if any in terms of disclosures/ information in proposals
Ensure that Credit proposals are complete and accurate and the credit Analysis covers all significant factors (Strengths & Risks) for proper decision making
Approval of ad-hoc credit requests within an agreed credit risk delegation framework
Presenting credit proposals to senior sanctioners and credit committee

Portfolio Management

Manage portfolio of c.500 large corporate, government related entities, and mid-size corporates with approximate book size of AED25bn
Responsible for review of all syndication deals where CBD is participating or leading
Responsible for maintaining the asset quality of the designated portfolio through interim reviews, annual reviews and on-going monitoring and control, and escalation of issues as may be necessary
Serve as the second line of defence and escalate any breaches of policies and procedures, credit risk excesses and past-dues and related matters to coverage and other stakeholders

Stakeholder Management

Secondary point of contact for the assigned portfolio and liaise with relationship and sales teams, product experts and portfolio management, and support functions including legal, compliance and operations
Subject matter expert for fundamental credit risk queries and provides support for any requests from regulators, auditors and other professionals
Where required, join coverage units for conference calls and meetings with client representatives – treasurer, finance director and CFO
Communicate with senior management to address any credit queries raise by Committee members
Managing direct reports – training and career development
Attend credit committees and senior management meetings where required

Other Management Responsibilities:

Management and oversight over Triple C process (internal early risk identification process) and present such customers to senior management.
Active participation in process review – for both post and pre-disbursement and suggest improvements
Ensure that subordinates maintain proper records for receipt, processing & disposal of credit proposals/ JETS for monitoring reports, internal/ external requirements
Organising and conducting trainings for credit analysts and business support staff

Commercial Bank of Dubai Hiring for Head of Credit, Corporate Banking Job at Dubai Full Time