Vice President- Credit Management (UAE National Only)

Job Purpose • Ensure and maintain a sound loan portfolio hence, minimizing loan losses and maximizing return on assets and shareholder’s equity. • Recommend sound credit facilities after thorough evaluation of the credit worthiness and debt payment capacity of borrowers. • Developing and spreading a credit culture within branch, through training, counselling and advising. Recommend action plans for overcoming observed weaknesses. • Review credit policies and procedures on a periodical basis and recommend and implement changes where appropriate. • Assist Branch Managers / Team Leaders to structure credit lines which meet the client’s business needs within acceptable risk criteria. Key Result Areas • Quality of loan portfolio, as measured by % of classified outstandings and hence, loan loss provisions, which has direct impact on Branch profitability. • Volume of assigned portfolio. • Minimize migration across risk grades. • Early detection of warning signals to ensure timely corrective action. • Maintain targeted turn around time. • Volume of credit proposals processed. • Minimize % of proposals returned / rejected by HO, which is a direct reflection of the quality of the proposals. • Accompany Relationship Managers / Team Leaders on calls where necessary, to maintain an awareness of market and business conditions. Knowledge, Skills and Experience • University Graduate. MBA or equivalent is preferred. • Minimum 10 – 15 years lending experience, of which 4 – 6 years at managerial level. • High degree of lending skills (credit, analytical, judgement) across various industries / lines of business (Trade, Contracting, Industry). • Excellent written / verbal communication skills.

University Graduate. MBA or equivalent is preferred. Minimum 10 – 15 years lending experience, of which 4 – 6 years at managerial level. High degree of lending skills (credit, analytical, judgement) across various industries / lines of business (Trade, Contracting, Industry). Excellent written / verbal communication skills.

Job Purpose: Ensure and maintain a sound loan portfolio, minimize loan losses and maximize return on assets and shareholder’s equity. Recommend sound credit facilities after evaluating borrowers' credit worthiness and debt payment capacity. Develop and spread a credit culture within the branch through training, counselling and advising; recommend action plans for overcoming observed weaknesses. Review credit policies and procedures periodically and implement changes where appropriate. Assist Branch Managers/Team Leaders to structure credit lines meeting client needs within acceptable risk criteria. Key Result Areas include quality of loan portfolio, volume of portfolio, minimizing migration across risk grades, early detection of warning signals, maintaining targeted turnaround time, volume of credit proposals processed, minimizing proposals returned/rejected by HO, and accompanying Relationship Managers/Team Leaders on calls to maintain market awareness.