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
