Senior Credit Manager (UAE National)

Commercial Bank of Dubai; Dubai; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading banking institution in Dubai seeks a qualified professional to conduct assessments of credit proposals related to Government Related Entities (GREs). The ideal candidate will have over 8 years of corporate banking experience with a strong focus on Corporate Credit. Excellent analytical and presentation skills, along with a relevant postgraduate degree, are essential for this role. This position involves significant responsibilities in evaluating complex applications and ensuring compliance with banking regulations.

Qualifications

• 8+ years of corporate banking experience, with minimum 7 years in Corporate Credit function.

Responsibilities

• Examine credit proposals for completeness and compliance.
• Conduct detailed analysis of proposals according to lending principles.
• Identify gaps in disclosures within proposals.
• Prepare credit summary for presentation to CC and BEC.
• Address queries raised by CC or BEC members.
• Exercise delegated approval authority within approved matrix.
• Support Unit Head on ad-hoc credit process improvement projects.
• Participate in portfolio monitoring exercises.
• Ensure quality of allocated portfolio and escalate issues to stakeholders.

Skills

Written and spoken English

Analytical skills

Report writing

Presentation skills

Strong working knowledge of MS Office, mainly Excel

Education

Masters of Business Administration or Commerce

CFA min Level 2 (preferable)

Job description

Description

Job holders at this level are directly responsible for conducting assessments of completed credit proposals primarily related to Government Related Entities (GREs). Such applications are usually complex, of a significant value with multiple entities involved in various lines of trade. 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.

Responsibilities

• Receives credit proposals for GREs 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.
• Prepare clear well‑structured credit summary for presentation to CC and BEC. CC and BEC decision are based on this credit summary.
• Addresses further queries/requirements if any raised by CC or BEC members.
• Exercise the delegated approval authorities within the matrix approved by the CC, enabling the incumbents to have approval powers for a certain level of transactions within the managed portfolio of clients.
• Support Unit Head and Head of Wholesale Credit on various Ad‑hoc projects relating to improvement in credit processes.
• Actively participate in Triple C and portfolio monitoring exercise.
• Responsible for quality of allocated portfolio. Time escape any critical issues to senior stakeholders.

Qualifications

• Masters of Business Administration or Commerce
• CFA min Level 2 (preferable)

Experience

• 8+ year’s corporate banking experience with min 7 years in the Corporate Credit function.

Skills

• Written and spoken English
• Excellent analytical, report writing and presentation skills
• Strong working knowledge MS Office mainly excel

Competencies

• Good writing skills along with analytical thinking & problem solving
• Stakeholder management and communication skills