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. Show more Show less

Oversee and lead corporate credit risk management for the Corporate Core portfolio. Ensure adherence to top-quality credit policies and programs, and monitor compliance with turnaround times. Drive proactive monitoring of credits, ensure availability of information for Credit Committee decisions, and assist Risk with Central Bank reporting and audit queries. Collaborate with Coverage, Product and Risk stakeholders to ensure smooth operations. Maintain up-to-date knowledge of developments across industries and demonstrate strong knowledge of structuring transactions with deep risk analysis. Undertake ad-hoc projects as assigned by the Head of Division. Monitor key credit portfolio parameters and convene underwriting portfolio meetings with stakeholders. Advise coverage teams on risk factors for complex/high-risk transactions and oversee due diligence to address emerging risk factors in term sheets and credit applications. Participate in client meetings to guide key risk factors, acceptable structures, and due diligence. Lead and develop a team of analysts, plan capacity and skill needs, cross-train staff, and retain key talent.