Specialist, Credit - Mortgages

JOB SUMMARY / INTRODUCTION The job role forms key part of PB Credit by recommending new credit and extensions of credit facilities through analysis of financial documents and provides support to the UAE branches and DSF, key accountabilities include credit review of mortgage loans. KEY RESPONSIBILITIES Develops Proposal Related to Credit Transactions and Risks based on Clients Financial information reviewed through related documents. Evaluates Clients Credit Data and information and financial statement in order to determine the degree of risk associated with the account and facilitate the decision-making process based on credit worthiness. Ensure that the credit documentation is complete for the purpose of facilitating the application process and ensures approvals on the same are obtained from delegated authority. Manages the exception level (insufficient/deferred security documents, and exception reports) efficiently and within the specified standards and timelines. Ensure timely and accurate Productivity reports are maintained and forwarded on timely basis to reporting Manager. Ensures to comply with audit requirements, internal and external reporting obligations in line with the policy guidelines, to ensure high standards of uniformity and consistency across FAB. Adherence to policies, processes and procedures of FAB along with Central Bank Regulations. Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are achieved during the course of the year. Identifies training and development requirements for self and agrees on them with the reporting manager to ensure that the required trainings are arranged and attended. Strives to achieve the highest levels of proficiency on all the competencies and skills required to perform the role. Keeps abreast of professional developments, new techniques and current issues through related trainings. Maintain professionalism and effective communication with colleagues within the Unit and all other Departments. Adhere to your individual duties and responsibilities at all times. Analyze client’s financial statements – Bank Statements & or / Audited Statements and review client’s credit history to meet bank’s lending standards. Ensure completeness and correctness of documentation in order to avoid fraud. Minimize risk by maintaining underwriting quality and ensure that proposed amount is in line with the Bank policy. Highlight credit risks / mitigants and ensure deviations are captured as per policy while recommending proposals for approval to the Line Manager. Ensure all system checks are performed correctly and reviewed as per process. Ensure information is correctly reflected in CAS before changing the stage to the next level for approval. Ensure to process applications within agreed timelines. Perform EV, CPV where applicable. Execute any other responsibilities entrusted by the Line Manager. Authorized to take decisions as per the approved authorization matrix. REQUIREMENTS / QUALIFICATIONS Bachelor’s degree in business administration, Management, Banking or any related discipline. 3 years’ relevant experience, including 1 year in similar role.

Bachelor’s degree in business administration, Management, Banking or any related discipline. 3 years’ relevant experience, including 1 year in similar role.

Develops Proposal Related to Credit Transactions and Risks based on Clients Financial information reviewed through related documents. Evaluates Clients Credit Data and information and financial statement in order to determine the degree of risk associated with the account and facilitate the decision-making process based on credit worthiness. Ensure that the credit documentation is complete for the purpose of facilitating the application process and ensures approvals on the same are obtained from delegated authority. Manages the exception level (insufficient/deferred security documents, and exception reports) efficiently and within the specified standards and timelines. Ensure timely and accurate Productivity reports are maintained and forwarded on timely basis to reporting Manager. Ensures to comply with audit requirements, internal and external reporting obligations in line with the policy guidelines, to ensure high standards of uniformity and consistency across FAB. Adherence to policies, processes and procedures of FAB along with Central Bank Regulations. Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are achieved during the course of the year. Identifies training and development requirements for self and agrees on them with the reporting manager to ensure that the required trainings are arranged and attended. Strives to achieve the highest levels of proficiency on all the competencies and skills required to perform the role. Keeps abreast of professional developments, new techniques and current issues through related trainings. Maintain professionalism and effective communication with colleagues within the Unit and all other Departments. Adhere to your individual duties and responsibilities at all times. Analyze client’s financial statements – Bank Statements & or / Audited Statements and review client’s credit history to meet bank’s lending standards. Ensure completeness and correctness of documentation in order to avoid fraud. Minimize risk by maintaining underwriting quality and ensure that proposed amount is in line with the Bank policy. Highlight credit risks / mitigants and ensure deviations are captured as per policy while recommending proposals for approval to the Line Manager. Ensure all system checks are performed correctly and reviewed as per process. Ensure information is correctly reflected in CAS before changing the stage to the next level for approval. Ensure to process applications within agreed timelines. Perform EV, CPV where applicable. Execute any other responsibilities entrusted by the Line Manager. Authorized to take decisions as per the approved authorization matrix.