Assistant Manager - Credit Risk (UAE National)

In line with the UAE Government’s strategy in empowering and developing nationals, Emirates NBD is committed to welcoming the young generation into an innovative, modern and supportive work environment to contribute to the nation's success.

We are looking to find the best UAEN talent to join our ENBD family.

Job Description

Organization Unit Purpose

• Appraisal, assessment & control of credit exposures
• Control function, which ensures group takes on assets which meets the Group’s standards on lending in terms of risk
• Setting up up of credit limits for clients and delegated approval limits
• Set up Credit policies which allow us to process credit proposals from Business Units (Wholesale Banking, BUB, PB - UAE & International) within agreed timeframe / turn-around time and ensure response levels.
• On going measurement of credit risk
• Assessment of provisions, portfolio health etc

Job Purpose

• Evaluate credit proposals submitted by the Wholesale banking business units. Analyse and submit recommendations to management
• Evaluate credit risk and suggest mitigating measures where possible
• Ensure to maintain good quality of the Corporate Credit portfolio of the accounts/ BUs allocated
• Ensure that lending proposals are in compliance with policies & UAE CB regulations
• Close monitoring of portfolio of one / more CBUs (depending on size of CBU) especially accounts on border line i.e. OLEM / Substandard to ensure that they do not get into non performing category
• Advise BUs with respect to managing of difficult accounts and monitor their progress
• Review and make appropriate recommendations for provisioning of weaker accounts with respect to the portfolio allocated
• Monitor exception / reports excesses, past dues, utilisation with respect to the allocated portfolio
• Maximising returns from a relationship – advise relationship team/management on strategies for various groups
• Analyse requests for changes in documentation / standard terms inclding liasing with stakeholders like Legal, CRAD, etc.

Job Content

Customer-Services

a) Maintain Service Quality and adherence to TATs (measured via Track Soft or similar reports)