AVP - Credit Risk Manager (Corporate Banking) - Dubai Islamic Bank

Job Objective:

Review and in-depth analysis of Credit Risk Proposals, financial analysis, cash flow projections and sensitivity analysis for New and Existing Customers received from Corporate Banking. Also Prepare Credit Due Diligence for all the Credit Proposals as assigned and comment on the Structure & Amount of Facilities, discuss and highlight all key risks and provide mitigates, highlight any deviations from Credit Policy, Central Bank Directives or any other related law. Comment on pricing, check and confirm appropriateness of risk grade, level of group exposure, concentration of risk, market conditions etc., and provide clear recommendation to Unit Head, the Head of Credit & CRO

Job Description:

Ensure that all the Credit Proposals are processed and recommended within a reasonable time and that the same are in compliance with the prevailing rules and regulations as conveyed by the Central Bank of UAE.

Ensure that the Credit Facilities are in compliance with the Credit Policy Manual/Guidelines. In exceptional circumstance where there are any deviations to the existing regulatory / credit guidelines, the same are clearly highlighted and discussed in the CRM recommendations.

Coordinate with Senior Relationship Managers (SRMs) and Unit heads on various aspects of Credit Proposals and follow up on pending matters and issues.

Visit customers with SRMs and business heads where necessary.

Coordinate with Sharia, legal Department Operation Department on issues related to facility structure, purpose, etc. whenever required.

Confirmation of customers credit risk grades and where necessary suggest changes in risk grade based on customers operating performance/annual & interim financial results changes in market environment & management.

Review of monthly MIS of the portfolio managed covering exception reports, utilization of facilities, excesses, past-dues, expired credits, concentration of risk covering group exposure and industry concentration and maintain constant follow up with business unit for regularization.

Escalate exceptions to RMs, Unit Heads, and maintain follow up for rectification.

Review all applications for enhancements and amendments of the limits and approval conditions, extensions, deferrals and waivers etc

Job Details

Date Posted:	2015-03-08
Job Location:	Dubai, United Arab Emirates
Job Role:	Accounting/Banking/Finance
Company Industry:	Banking

Preferred Candidate

Career Level:

Management

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Company:

Date Posted: March 08, 2015 at 08:51AM

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AVP - Credit Risk Manager (Corporate Banking) - Dubai Islamic Bank