Specialist- Credit - Real Estate (Emiratized Role)
- Abu Dhabi
- Permanent
- Full-time
- Review, Analyse & Recommend loan proposals keeping in mind the approved credit policies, procedures and market dynamics to produce high quality of credit assessment memos for underwriting purposes.
- Manage the allocated portfolio of clients in terms of timely annual reviews, monitoring delinquencies, early warnings, adherence to covenants, documentary deferrals etc and actively engage with the respective business counterparts on regular basis to address any credit related issues for the allocated portfolio.
- Given the High Networth and sensitive nature of the clientele, actively engage with the senior business counterparts (Area Managers/Executive Directors etc) to ensure that the proposed facility is adequately structured to meet the clients' expectations within the bank's underwriting standards.
- Accompany the business counterparts to client meetings and to develop better understanding of the client and the proposed credit facility.
- Adhere to & comply with departmental policies, standard operating procedures and practices so that the work is carried out in a smooth & methodical manner.
- Exhibit consistency with organization's values and ethics at all times to demonstrate a value driven culture within the bank.
- Contribute towards continuous improvement and sustainability of policies, systems, process and methods in line with changing needs and requirements so as to efficiently carry out the duties.
- Have in-depth understanding of regulatory and internal bank policies.
- Exhibits good communication & writing skills when preparing & submitting credit proposals to approving authorities within the Bank.
- Bachelor's degree preferably in Finance/Banking/ Commerce.
- Minimum 2-5 years in Corporate/SME Credit or Banking experience.