SVP & Head of Credit, Corporate Core - Dubai - Emiratized role

Generic Accountability Portfolio Ensuring that all transaction is being monitored by analysts periodically for any issues Policies Consistently maintain top-quality Credit Policies and Programs. Process Ensure that all credit applications submitted by the team meet the required standards and adhere to the prescribed format. Maintain alignment of processes with the agreed turnaround time. Proactive monitoring of credits for early problem recognition. Ensures availability of required information to Credit Committee Members for credit decision making Assist Risk department in various Central Bank reporting and Audit queries People Collaborate with key stakeholders (Coverage, Product and Risk) to ensure functioning of various tasks is conducted in a smooth and efficient manner. Job Specific Accountabilities General Aware of the latest developments in the assigned portfolio with constant updating of developments across various industries. Demonstrate strong knowledge of structuring transactions with deep dive analysis of the risks. Undertake ad-hoc projects or duties as assigned by Head of Division Ensure that any underwriting memo is appropriately drafted by business incorporating the key terms of the underwrite and liquidity analysis. Portfolio Monitor all key credit portfolio parameters periodically and ensure that the deviation of portfolio to the credit policies are minimal. Monitor underwriting portfolio and periodically convene the underwriting portfolio meeting with the key stakeholders. Process Advises coverage teams on risk factors associated with complex transactions / high risk industries and clauses imperative mitigating these. Oversee due diligence process for prospective transaction and ensure emerging risk factors are appropriately addressed in the term sheet and credit application. Participate in client meetings and provide guidance on key risk factors, acceptable structure and appropriate due diligence People Guides a team of analyst whereby the transaction is analyzed appropriately in line with the credit policies and credit proposals are prepared to meet the internal standards. Plan, anticipate and identify future capacity and skill needs of the department and pursue their fulfilment. Cross-train and develop staff to achieve efficient resource utilization and deployment. Also, identify and retain key talent in the department.

Minimum Qualification Bachelor’s degree along with MBA in Finance Minimum Experience 15 years’ relevant experience in the banking sector with at least 5 years in similar positions of progressively increasing managerial responsibilities in the credit.

Oversee credit portfolio monitoring and ensure adherence to credit policies and turnaround times. Advise coverage teams on risk factors in complex transactions and high-risk industries; guide structuring, acceptable structures, and necessary due diligence. Oversee due diligence for prospective transactions; ensure issues are addressed in term sheets and credit applications. Lead client meetings to provide guidance on risk factors and appropriate margin, structure, and due diligence. Monitor underwriting portfolio; convene underwriting portfolio meetings with key stakeholders. Ensure underwriting memos reflect key terms, liquidity analysis, and internal standards. Maintain up-to-date knowledge of the portfolio and industry developments; supervise and develop a team of analysts; plan capacity and skill requirements; cross-train staff and retain key talent. Collaborate with Coverage, Product, and Risk to ensure smooth operations; support Risk department in Central Bank reporting and audit inquiries. Ensure availability of information for Credit Committee decisions.