Key Accountabilities
Retail Credit Operations
- Conduct underwriting activities (i.e., analysing credit applications, reviewing credit bureau reports, deciding/recommending loan applications) and ensure quality and adherence to credit policies/criteria.
- Maintain the Approved List of Companies for Retail Lending
- Conduct post review on applications approved by business and highlight the errors to the business as a part of ongoing training and to reduce the error rate to 0%.
- Attending Business enquiries related to various product policies.
Support in Enhancing Retail Lending automation projects
Other Accountabilities
Credit Monitoring
- Identify and report early warning signs of deterioration and follow up with relevant business counterparts in order to proactively deal with any issues.
- Prepare required reports and dashboards including financing volume reports for use in planning, forecasting and performance monitoring.
- Review and propose policy/criteria change as and when needed.
- Monitor and control performance of product campaigns
Monitor Employer level performance and recommend appropriate action
Skills
Qualification and Experience
Minimum Qualifications:
- Bachelor degree in business-related major or equivalent AND
- A globally recognised post-graduate degree or equivalent professional qualifications from a globally recognised institute in area of finance, economics and accounting (e.g. CFA, CA, CIMA, MBA) + Credit or Risk qualification from Banking bodies or FRM or PRM is preferable.
Minimum Experience:
- Around 3 – 5 years of relevant experience in corporate banking and corporate credit functions including at least 5 years in positions of progressively increasing managerial responsibilities.
- 2-3 years of local / GCC experience would be a big advantage indicating deep understanding of Gulf based corporate business clients, economic sectors, macro-economic factors and related country risks.
- Fair understanding of / experience in assessing contract finance, real estate finance, corporate banking (big, mid and SME) as well as Factoring / Trade Finance proposals;
Key Interactions
All related Department Heads and Staffs.
Competencies
- Adaptability/Flexibility
- Creativity/Innovation
- Decision Making/Judgment
- Dependability
- Initiative
- Integrity/Ethics
- Personal Organization
- Planning
- Problem Solving/Analysis
- Process transaction vouchers received from various Departments (internal)
- Productivity
- Quality
- Receipt and verify the posting and payroll documents received
- Results Focus
- Self Development
- Sense of Urgency
- Strategic Thinking/Management
- Summary
- Vision and Values
Skills
- Ability to interact with internal and external stakeholders
- Ability to work under pressure
- Arabic speaking preferred
- Awareness of local cultural and social factors, and labour law provisions
- Bilingual (Arabic & English)
- Bilingual language skills in English and Arabic
- Knowledge of various aspects government requirements and processes of visas, work permits, medical clearance etc
- Numerical skills
- Proficiency in oral and written English & Arabic (Preferred).
- Proficiency in written and spoken English
- Risk Management
- Time Management skills
Education
- Bachelor’s Degree, preferably in Business-related major