• CBD Bank Careers | Credit Specialist - Business Banking, UAE

    CBD Bank Careers | Credit Specialist - Business Banking, UAE

    Location: Dubai, UAE

    Job Description

    Job holders at this level are directly responsible for conducting assessments of completed credit proposals related to the Business Banking – Tier 1 segment of the portfolio. Complexities of applications vary, ranging from complex, standard to multi-entity.

    Analysis is conducted through the application of well-developed investigative and analytical skills and processes. Their findings will form the basis of ultimate decision making.

    Duties and Responsibilities

    Your main responsibilities in this role include the following:

    • Receives credit proposals under Business Banking (Tier 1) Segment and examines them to ensure completeness of supporting information/ documents and compliance with Bank’s requirements.

    • Undertakes detailed analysis of proposals by strictly adhering to:

      • Basic principles of lending

      • Bank’s procedures & Policies

      • UAE Central Bank Rules

      • Regulations wherever applicable to assess quality and proper asset selection.

    • Conducts proper due diligence as to identification of gaps, if any in terms of disclosures/ information in proposals

    • Addresses and clarifies issues or points raised at the review stage prior to preparation of the SWOT Analysis

    • Prepares credit proposals with SWOT Analysis covering all significant factors (Strengths & Risks) for review and recommendation by Team Leaders, ensuring accuracy and completeness.

    • Addresses further queries/ requirements if any required by the Team Leaders / Unit Head for decision making or initiation of the decision process.

    • Communicates the Management decision on credit proposals to Business Analysts, RMs, Branch Managers, Segment Heads, Other Units & Unit Heads

    • Maintains proper records for receipt, processing & disposal of credit proposals/ JETS for monitoring reports, internal/ external requirements

    Job Requirements

    • Bachelors Degree in a Commerce discipline

    • 4/5 year’s finance experience with 2 years in general banking and 2/3 years in the Credit function

    • Written and spoken English – Arabic preferable

    • Good Analytical/ Report writing skill

    • Computer literate with strong working knowledge of business software applications, particularly spread sheets

    Job Details

    Company/Organization: Commercial Bank of Dubai - CBD

    Employment Type: Full-time Job

    Job Functions: Operations

    Job Location: Dubai, United Arab Emirates

    Application Deadline: N/A

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