Senior Credit Manager - UAE National

BlueSnap, Inc; Dubai; On-site; AED 120,000 - 180,000; Full time

Job summary

An established industry player in the UAE banking sector is seeking driven individuals to join their Corporate Credit team. This role involves conducting assessments of complex credit proposals related to Government Related Entities, requiring strong analytical skills and attention to detail. The successful candidate will be responsible for ensuring compliance with banking regulations, conducting due diligence, and presenting findings to decision-making committees. If you are passionate about banking and have a proven track record in corporate credit, this opportunity offers a chance to make a significant impact in a progressive and award-winning institution.

Qualifications

• 10-12 years of corporate banking experience with a minimum of 7 years in Corporate Credit.
• Strong analytical, report writing, and presentation skills are essential.

Responsibilities

• Examine credit proposals for completeness and compliance with bank requirements.
• Conduct detailed analysis and prepare structured credit summaries for decision-making.

Skills

Written and spoken English

Analytical skills

Report writing

Presentation skills

MS Office (Excel)

Stakeholder management

Communication skills

Problem solving

Education

Masters of Business Administration

Masters of Commerce

Job description

Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.

CBD has been recognized as the number one bank in the UAE on the Forbes list of The World’s Best Banks 2022.

As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers - and delivering service that really goes the extra mile.

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
• 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 required raised 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 improve in credit processes
• Actively participate in Triple C and portfolio monitoring exercise.
• Responsible for quality of allocated portfolio. Time escalate any critical issues to senior stakeholders.

Requirements

Qualifications:

• Masters of Business Administration or Commerce

Experience:

• 10/12 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
• Good writing skills along with analytical thinking & problem solving
• Stakeholder management and communication skills
• High Level of commitment in every aspect of work & CBD values