الصفحة الرئيسية الإمارات العربية المتحدة Senior Relationship Officer, Manufacturing - Wholesale Banking

الصفحة الرئيسية الإمارات العربية المتحدة Senior Relationship Officer, Manufacturing - Wholesale Banking

Senior Relationship Officer, Manufacturing - Wholesale Banking

دوام كامل في United Arab Bank في UAE
نُشرت يوم February 19, 2025

تفاصيل الوظيفة

Job Purpose

  • Responsible for preparing and assessing credit proposals to achieve a high quality of WB credit portfolio.
  • Responsible for maintaining quality of assigned credit proposals that reflect the best practice to regulate the risk assets of the WBG.
  • Raising technical authorization requests for temporary excess limits and extension of facilities validity dates etc. so as to obtain timely authorization for credit facilities from appropriate authorities.
  • Closely monitor the assigned credit portfolio to avoid any irregularity and to maintain good health of credit risk assets and keep the seniors informed about developments.
  • Coordinate with other departments to render effective services to corporate customers.
Principal Accountabilities
  • Actively contribute for development of business through the Relationship Manager by marketing new customers and also through the existing customers.
  • Underwrite credit appraisal including financial, business and risk analysis and ensuring that Credit Approval Package is submitted as per credit policies, TMRAC and CBUAE guidelines
  • Assess and structure credit lines in consultation with RMs that meet credit criteria and client business needs.
  • Ensure timely submission of credit proposals as per agreed SLA/ TAT
  • Technical authorizations for any excess over limit, extension of expiring lines etc for the assigned portfolio, so as to obtain timely authorization from the concerned departments.
  • Maintain good quality portfolio by effective monitoring of past dues and credit quality.
  • Ensure asset classification is in line with regulatory and policy guidelines
  • Monitoring of covenants & Early warning signals and highlighting such obligor movement to Early Alerts.
  • Manage problem loans closely and recommending appropriate strategy and remedial action plan in consultation with RMs
  • Coordinate with corporate support team in operational & back office work for timely preparation of securities documentation and periodic reports for submission to H.O. and management of credit files. Coordinate with other departments to render efficient services to corporate customers.
  • Participate and assist in all credit-related aspects of internal/external audits including Central Bank inspection.
  • MIS & risk reporting on Early alert accounts/problem loan to credit department.
Qualifications & Experience
  • Bachelor's degree Preferably in Commerce & Finance.
  • 3+ years of Credit Risk management and corporate lending.
  • Problem solving and dispute settling.
  • Good understanding of protocols and procedures to be compliant with UAE regulations and requirements.
  • Good credit assessment, structuring and documentation skills.
  • Ability to develop and update credit risk management policy, procedures, documentation.
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