Senior Credit Analyst (UAE National)
Commercial Bank of Dubai
- Dubai
- Permanent
- Full-time
- Ensure quality underwriting of Credit Applications as per Approved credit policies and within the given Delegation of Authority. With minimum error rate.
- Maintain high level of productivity with no compromise in the quality of processing.
- Check and approve applications within his/her delegation.
- Evaluate and escalate applications with judgmental and deviations on the basis of borrowers character and integrity, capability of repayment, business, economic and personal conditions, capital input and collateral available to the proper authority as defined in the Credit Policy of the Retail Banking PPGs.
- Communicate the decision to the Front end via an email Draft/Pre approval Letter.
- Detailed assessment of the Business verification reports and other Business related documents.
- Final Offer Letters to be check and signed post completion by the maker.
- Reconciliation of invoices for Field Visits and Perfios.
- Analyzing and escalating restructure cases.
- Ensure completion of cases within prescribed TAT and full adherence to SLA with Business Group.
- Adherence to Operational Risk Guidelines.
- Full Compliance to all relevant policies and procedures governing Risk-based underwriting & ensure a minimum SATSIFACTORY INTERNAL AUDIT Rating. NO Adverse audit findings with HIGH RISK Impact
- Resolution of all audit findings within prescribed time frame.
- Minimum of 4 to 5 years of underwriting experience in credit related work
- Written and spoken English – Arabic preferred
- Good understanding of banking operations, Bank policies, procedures, guidelines, statutory requirements, market conditions.
- Minimum of a Bachelor’s Degree
- Strong working knowledge of business software applications, particularly spreadsheets.
- High level of interpersonal and negotiating skills.
- Credit & Financial Analysis Skills
- Should have an eye for details.
- Good communication skills