Credit Manager

DP World; Dubai; Presencial; AED 300.000 - 550.000; Jornada completa

Descripción de la vacante

DP World in Dubai is seeking a Credit Manager to conduct due diligence, underwriting, approval, monitoring and recoveries for a portfolio of large corporate borrowers. You will ensure adherence to credit policy and procedures and provide guidance to the team to avoid surprises and credit losses.

The role requires deep expertise in trade finance credit risk, cross-border transactions, and the ability to identify and mitigate risks while coordinating with risk consultants, insurers and lenders.

Formación

• 7+ years of credit risk experience in lending to large corporates.

Responsabilidades

• Credit due diligence on Trade Finance borrowers for management, financial, industry and business risk
• Identifying credit and operational risks in trade finance documentation for a broad range of trade related transactions, including receivables & payables financing, import/export financing, invoice discounting/factoring, commodity trade financing, inventory financing, buy-sell transactions and risk participation (funded & unfunded)
• Understanding and analysis of financial statements, early warning and collections
• Ensuring compliance with the organization's internal policies, processes and procedures
• Pro-actively manage portfolio risk exposure, collections, remediation and recoveries
• Identify key risks, and drive alignment on risk mitigation actions
• Interacting with external service providers (risk consultants, recovery agents, insurance companies, brokers, etc.)
• Assisting the relevant transactions/cases to ensure credit risk support and innovative solutions are provided in line with company policies and regulatory requirements
• Review of term sheet and vetting of loan related documentation with borrowers

Conocimientos

Credit risk management

Large corporate lending

Trade finance risk

Cross-border transactions

Risk mitigation

Portfolio management

Attention to detail

Team guidance

Self-driven

Descripción del empleo

The main purpose of the role is to conduct Credit due diligence, underwriting, approval, monitoring and recoveries of Corporates. The incumbent will be responsible for managing a portfolio of large complex accounts while adhering to the credit policy and processes in place. The Credit Manager needs to ensure that there are no surprises and resulting credit losses in the portfolio allocated and provide guidance to other team members.

Key Responsibility

• Credit due diligence on Trade Finance borrowers for management, financial, industry and business risk
• Identifying credit and operational risks in trade finance documentation for a broad range of trade related transactions, including receivables & payables financing, import/export financing, invoice discounting/factoring, commodity trade financing, inventory financing, buy-sell transactions and risk participation (funded & unfunded)
• Understanding and analysis of financial statements, early warning and collections
• Ensuring compliance with the organization's internal policies, processes and procedures
• Pro-actively manage portfolio risk exposure, collections, remediation and recoveries
• Identify key risks, and drive alignment on risk mitigation actions
• Interacting with external service providers (risk consultants, recovery agents, insurance companies, brokers, etc.
• Assisting the relevant transactions/cases to ensure credit risk support and innovative solutions are provided in line with company policies and regulatory requirements
• Review of term sheet and vetting of loan related documentation with borrowers

Qualifications, Experience & Skills

• 7+ years of credit risk experience in lending to large corporates
• Prior experience working in Financial Institutions- FinTech, Banks or Non-Banking Financial Companies (NBFC)
• Sound knowledge of trade finance credit risk management and superior market intelligence.
• Experience with cross border transactions and corresponding risk implications
• Ability to detect, assess and mitigate credit risk
• Experience with cross border transactions and corresponding risk implications.
• Ability to detect, assess and mitigate credit risk
• Keen attention to detail, adaptability and pragmatism; ability to manage an active caseload and prioritize effectively
• Self-driven, results-oriented with a proven track record in credit & risk matters