Specialist- Credit Management- POS (Emiratized Role)

دوام كامل في First Abu Dhabi Bank في UAE

نُشرت يوم January 12, 2025

تفاصيل الوظيفة

Specialist- Credit Management- POS (Emiratized Role)

Full-time
Division: Group Credit

Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders, and communities to grow through differentiation, agility, and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark at a top company in an exciting & dynamic industry. JOB PURPOSE: The key purpose is to determine whether the borrower is eligible for financing and whether the requested credit POS Loan facility is in line with the bank’s risk appetite and Target Market Risk Acceptance Criteria (TM-RAC) by conducting detailed credit analysis and assessment of POS credit applications. KEY ACCOUNTABILITIES:

Review, analyze, and prepare credit memos with all customer details. Initiate field visits for customers who are eligible for loans after initial analysis.
Recommend and prepare loan proposals while keeping in mind the policies, procedures, and standard operating procedures.
Adhere to and comply with departmental policies, processes, standard operating procedures, and practices to ensure smooth and methodical work.
Exhibit consistency with the organization’s values and ethics to demonstrate a value-driven culture within the bank.
Contribute towards continuous improvement and sustainability of systems, processes, and methods in line with changing needs and requirements to efficiently carry out our duties.

Job Context:

Analyze clients’ financial statements – bank statements and/or audited financial statements, and investigate the client’s credit history/credit reports to meet the bank’s lending standards.
Possess thorough in-depth knowledge of financials, including verifying figures, cash flow data, and income statements. Analyze different ratios and present financial analysis to the delegated authority.
Ensure completeness and correctness of documentation to avoid fraud.
Conduct in-depth analysis of all loan-related borrower financial ratios like turnover ratios and debt service coverage ratio to ensure error-free underwriting, ensuring that the proposed loan amount is in line with the bank's policy.
Review and analyze restructure requests from existing loan customers and recommend restructures in line with the bank’s policy.
Review deferral/waiver requests from existing customers and recommend actions while considering the credit risk involved.
Process loan applications and service requests efficiently and within agreed timelines.
Verify checks through various FAB application systems such as OBIEE, Vision Plus, Globus, Intellect, Customer Connect, and also from external systems like AECB, Central Bank checks (CBRB & CRS), and Firco.
Work under pressure without compromising on quality.
Ensure that all approved loans and proposal-related documents are complete and shared in the common folder to safeguard against missing or misplaced documents.
Perform any additional job-related tasks/projects as assigned by the Line Manager.

Qualification: Minimum Education required: Bachelor's degree preferably in Finance/Banking/Commerce. Experience: Minimum 5 years in Credit and/or Banking experience. #J-18808-Ljbffr

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الشركة المعلنة عن الوظيفة

First Abu Dhabi Bank

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Specialist- Credit Management- POS (Emiratized Role)

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Specialist- Credit Management- POS (Emiratized Role)

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الشركة المعلنة عن الوظيفة

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الصفحة الرئيسية الإمارات العربية المتحدة Specialist- Credit Management- POS (Emiratized Role)

الصفحة الرئيسية الإمارات العربية المتحدة Specialist- Credit Management- POS (Emiratized Role)

Specialist- Credit Management- POS (Emiratized Role)

تفاصيل الوظيفة

Specialist- Credit Management- POS (Emiratized Role)

Apply safely

الشركة المعلنة عن الوظيفة

First Abu Dhabi Bank

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