422 Credit Management jobs in the United Arab Emirates

**Credit Risk Management Expert Wanted**

We are seeking an experienced professional to join our team as a Credit Risk Management Expert. As a key member of our organization, you will play a crucial role in assessing credit proposals from various entities.

The successful candidate will have extensive experience in credit risk assessment, particularly in financial institutions and non-bank financial institution (NBFI) customers. You will work closely with coverage and product teams to ensure our portfolio remains resilient against credit defaults.

Key Responsibilities:

• Conducting thorough credit risk assessments for complex financial transactions across multiple asset classes.
• Developing and implementing risk management strategies to safeguard our portfolio.
• Collaborating closely with coverage, product, legal, and risk teams to evaluate credit exposure and recommend risk mitigation measures.
• Discussing with clients and external advisors in unique cases to ensure robust credit risk assessment and compliance with regulatory standards.

Qualifications & Experience:

• Bachelor's Degree in Business, Accounting, Finance, or relevant discipline (Master's/MBA preferred).
• Minimum 12 years of experience in the Banking sector, with at least 5 years in NBFI assessments and analysis.
• Strong understanding of financial statements, credit risk assessment, cash flow analysis, and structured lending.

Requirements:

• Extensive experience in credit risk assessment, particularly in FI and NBFI customers.
• Good understanding of fund structures, capital commitments, asset quality criteria.
• Strong financial analysis skills with the ability to review clients' assumptions/business risks.
• Understanding of market risk elements for both listed and unlisted entities, including standard valuation procedures, mark-to-market, and monitoring frameworks.

Role Overview:

We are seeking an experienced professional to lead a team in providing thorough credit evaluations and recommendations for a portfolio of clients. The ideal candidate will have a strong background in credit analysis, excellent communication skills, and the ability to work effectively in a team environment.

Key Responsibilities:

• To oversee the conduct of robust credit analysis and obtain necessary approvals within the bank in a timely manner.
• Collaborate with business units to complete due diligence processes for prospective deals, ensuring emerging risk factors are identified and addressed through term sheets developed by product teams.
• Provide initial feedback at the GLM stage, ensuring that appropriate risk acceptance criteria and guidelines are followed as part of the GLM approval process.
• Advise relationship managers on the risk factors associated with complex transactions and the essential clauses for mitigating these risks.
• Maintain timely availability of required information for senior management to facilitate credit decision-making.
• Participate in client relationships through visits/conference calls as part of transaction initiation and monitoring.
• Guide corporate & investment banking departments/global banking corporate finance on optimal utilization of credit facilities without compromising credit quality.
• Coordinate with internal counterparties to provide guidance on risk assessment, risk rating, and documentation.
• Ensure accuracy of data presented to various stakeholders, including senior management.

Requirements:

• Bachelors degree in a relevant field.
• Desirable: Chartered accountant/masters in business administration (MBA) or any other relevant finance degree/diploma.

Experience:

• 10 years of relevant experience in the banking sector, with at least 7 years in similar positions with progressively increasing managerial responsibilities in the credit function.

Senior Leader - Credit Risk Management

This senior leadership position oversees the formulation, revision, and implementation of credit policies, procedures, and practices that align with the overall strategy and objectives of the organization.

• The role involves key accountabilities in private banking credit strategy, including the development and implementation of strategies that support FAB's and Private Banking's objectives.

This position is responsible for managing the credit risk function, developing and directing the credit risk team, and providing oversight of an effective credit approval process within the bank. The role also involves taking credit decisions independently up to a delegated financial authority and serving as a responsible member of the Credit Committee.

• The Head of Credit Private Banking reports to the Group Chief Credit Officer and confers with the latter on critical and strategic issues.

To be successful in this role, you will need:

• Bachelor's Degree in Finance, Accounting, Economics, Commerce, or any related discipline with a professional qualification such as Diploma from Chartered Institute of Bankers or Certified Financial Analyst (CFA) / ACA qualification.
• Preferably a Master's Degree in a related area.
• At least 10 years of experience in a leadership role in Credit Risk Management/Lending Function of a Financial Institution, preferably international experience across multinational banks.

This role offers a competitive salary package, opportunities for career growth, and a dynamic work environment.

• Award-winning employer recognized for its commitment to employee satisfaction and well-being.

We provide a range of benefits and programs designed to support your career growth, health, and wellbeing, including:

• An attractive compensation package with bonuses and stock options.
• Comprehensive health insurance, retirement savings plans, and paid time off.

We are looking for talented professionals who share our values and passion for delivering exceptional results. If you have a strong track record of success, excellent communication skills, and a passion for innovation, please submit your application today!

• Please note: we are committed to creating an inclusive and diverse workplace culture where everyone feels valued, respected, and supported.

Credit Risk Management
• Manage, develop, and direct the credit risk function including for all loan types, credit analysis, assessment & approval, review, monitoring & control, and recovery.

Private Banking Credit Strategy
• Key role in formulation and implementation of the strategy in line with FAB's and the Private Banking objectives.

Industry and Sector Knowledge
• Keep abreast of the different industries, local economy, and internationally regulatory changes in the business and global private banking practices, trends, issues, challenges, competitor analysis etc. and identify risk factors/impact in order to inform Bank's senior management and take the necessary actions.

Internal Collaboration
• Increase collaboration with Business Heads and Product Heads in order to build up strong relationships, open communication channels, maximize synergies and opportunities.

Liaison with Regulators/Auditors
• Facilitate audit activities & conclude negotiations with examiners/regulators etc. on all credit audits matters/data ensuring timely availability of information and prompt response to queries of internal/external auditors and addressing their concerns/observations.

Leadership/People Management
• Manage the effective achievement of the private banking credit objectives through setting individual goals, managing teams' performance, and providing of formal and informal feedback and appraisal in order to maximize subordinates and the overall departmental performance.

Continuous Improvements
• Support Group Chief Credit Officer in defining an optimum departmental structure assuring that appropriate resources are allocated to Credit management function to effectively meet objectives of the department and are optimally utilized.

The purpose of the job is to prepare review and provide appropriate recommendation of credit facilities for a portfolio of CIB Abu Dhabi clients. The role also entails compliance with all credit policies and guidelines.

Generic Accountability

• Guide a team of analyst to ensure robust credit analysis is being conducted and appropriate approvals are obtained within the bank in timely fashion.
• To complete due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensures that emerging risk factors are identified which are addressed by the Term Sheets developed by Product team.
• Provide initial feedback at GLM stage and ensure that appropriate Risk Acceptance Criteria and CIB GCP guidelines are followed as part of GLM approval process.
• Advises Relationship Managers on the risk factors associated with complex transactions and the clauses imperative in mitigating these.
• Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.
• Participate in (large complex) client relationships through client visits / conference calls as part of transaction initiation and monitoring
• Guides Corporate & Investment Banking Departments /Global Banking- Corporate Finance with different ways to optimum utilization of credit facilities by the corporate customers without compromise on credit quality.
• Coordinate with internal counterparties (CAD Legal etc.) to provide guidance on risk assessment risk rating and documentation.
• Ensure accuracy of data being presented to various stakeholders including senior management
• Obtain accurate and current information and update the Risk systems (Risk rating models / TOAs etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
• Recommend amendments to the Banks credit policy procedures Risk Rating models credit memorandums risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Banks risk strategy & policy

Job Specific Accountabilities

• Preparation of comprehensive credit papers clearly outlining key risks mitigations and recommendation for presentation to Credit Committee for prospective and existing clients under assigned portfolio
• Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
• Ensure credit processing & approval turnaround times as per agreed SLAs with CIB.
• Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
• Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
• Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
• Review exception and portfolio reports as applicable and keep abreast of the clients account conduct financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification

Qualifications :

Minimum Qualification

• Must have Bachelors degree.
• Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree or diploma.

Minimum Experience

• 10 years relevant experience in the banking sector with at least 7years in similar positions of progressively increasing managerial responsibilities in the Credit function.

Remote Work :

No

Employment Type :

Full-time

Company Description

Join the UAE's largest bank and one of the world's largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation.We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting & dynamic industry.

JOB PURPOSE:

Work within the Global Private Banking Credit team, ensuring the proper implementation of policies, procedures and practices consistent with the overall strategy and objectives of the bank.

Ensure that UAE and International Credit proposals adhere to policy guidelines, monitoring and review is adequate to maintain assigned portfolio quality and overall credit risk falls within the bank's risk appetite.

KEY ACCOUNTABILITIES:

Credit Risk Management

• Credit analysis, assessment, recommendation & approval (Within DoA), review, monitoring, control and recovery of assigned portfolio(s) for assigned UAE and International portfolio
• Ensure credit processing & approval turnaround times as per agreed SLAs
• Ensure Credit request fall with regulatory guidelines /policies / TMRACs
• Highlight exceptions and work with Private banking on ensuring proper mitigation is in place
• Guide private banking on structuring of facilities, securities, documentation
• Ensure proper due diligence is conducted on prospective deals in collaboration with coverage / product teams
• Follow up with Private banking on covenant breaches / document deficiencies / excesses / past dues
• Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
• Ensures timely availability of required information to approving authority for credit decision making.
• Ensure accuracy of data being presented to various stakeholders including senior management
• Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
• Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
• Recommend amendments to the Bank's credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank's risk strategy & policy
• Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented

Job Context

• Preparation of comprehensive credit proposals clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
• Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
• Ensure credit processing & approval turnaround times as per agreed SLAs.
• Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
• Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
• Oversight the mark-to-market revaluation process and take ownership of liaising with the respective RMs to rectify any margin call situations.
• Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
• Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
• Manage problem credits closely and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
• Ensure accuracy of data being presented to various stakeholders including senior management
• Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
Qualifications

Minimum Qualification

• Must have Bachelor's degree.
• Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.

Minimum Experience & Skill Set

• Minimum 10 years relevant experience in the banking sector with at least 5 years in Credit function.
• Good understanding of various complex credit products such as Lombard lending, Real Estate financing, FX and Derivatives.
• Understanding of various complex Investment products such as bonds, sukuks, stocks, mutual funds, structured notes etc.
• Ability to look into and beyond Personal Net Worth Statements/financials and see business proposition.
• Strong structuring skills
• Good understanding of legal and regulatory framework.
• Ability to work under pressure
• Strong communication skills – written and spoken.
#J-18808-Ljbffr

Job Title: Credit Control Specialist

This is a specialized role that provides support to clients on credit processes and administration of sanctioned limits.

• Process/Authorization of Credit limits, Facility Offer Letter (FOL) and other related releases from documentation unit, Project Payment Certificate (PPC) discounting / settlements, Share Valuation Report (SVR), availment tickets, suspension of interest, write-off entries, charges and fees, fixed deposit lien release and all other limit control related tasks.
• Preparation/Authorization of Internal Memos (IOM), Customer grade change, Sign-off Liability / No Liability Certificates.
• Assist and monitor work submission channels (emails or any other workflow channels in use) for daily task allocation within the Unit.
• Process/Authorization of Corporate obligor details based on the requests received from UAE or International Credit Units in line with the local regulations of the respective jurisdictions.
• Ensure Processing/Authorization of daily or periodic tasks, updation of trackers, proper archival of documents in custody, monthly activities including review of Credit limits in GLCMS, accuracy with regards to application of interest rates in system (ADI/ACI/GDI/GCI).

• Bachelor's degree or related discipline.
• Relevant experience in the banking sector with at least 3 years in similar positions of progressively increasing managerial responsibilities in the credit facility function.

This role offers opportunities for growth and development, efficient team management, and effective administrative skills.

• Prepare various reports as and when requested by Team Leader, HCCU and HCAD.
• Report Key Risk Indicators (KRI) and Operational near miss/loss incidents in a timely manner.
• Support the creation and periodic updation of comprehensive Standard Operating Procedures (SOP), Service Level Agreement (SLA), Process Note (PN) and other related guidelines and control tools.

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Company Description
Join the UAE's largest bank and one of the world's largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting & dynamic industry.

Company Description
Join the UAE's largest bank and one of the world's largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting & dynamic industry.
Job Description
JOB PURPOSE:
Work within the Global Private Banking Credit team, ensuring the proper implementation of policies, procedures and practices consistent with the overall strategy and objectives of the bank.
Ensure that UAE and International Credit proposals adhere to policy guidelines, monitoring and review is adequate to maintain assigned portfolio quality and overall credit risk falls within the bank's risk appetite.
Key Accountabilities
Credit Risk Management

• Credit analysis, assessment, recommendation & approval (Within DoA), review, monitoring, control and recovery of assigned portfolio(s) for assigned UAE and International portfolio
• Ensure credit processing & approval turnaround times as per agreed SLAs
• Ensure Credit request fall with regulatory guidelines /policies / TMRACs
• Highlight exceptions and work with Private banking on ensuring proper mitigation is in place
• Guide private banking on structuring of facilities, securities, documentation
• Ensure proper due diligence is conducted on prospective deals in collaboration with coverage / product teams
• Follow up with Private banking on covenant breaches / document deficiencies / excesses / past dues
• Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
• Ensures timely availability of required information to approving authority for credit decision making.
• Ensure accuracy of data being presented to various stakeholders including senior management
• Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
• Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
• Recommend amendments to the Bank's credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank's risk strategy & policy
• Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented
  

• Preparation of comprehensive credit proposals clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
• Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
• Ensure credit processing & approval turnaround times as per agreed SLAs.
• Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
• Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
• Oversight the mark-to-market revaluation process and take ownership of liaising with the respective RMs to rectify any margin call situations.
• Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
• Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
• Manage problem credits closely and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
• Ensure accuracy of data being presented to various stakeholders including senior management
• Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
  

• Must have Bachelor's degree.
• Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.
  

• Minimum 10 years relevant experience in the banking sector with at least 5 years in Credit function.
• Good understanding of various complex credit products such as Lombard lending, Real Estate financing, FX and Derivatives.
• Understanding of various complex Investment products such as bonds, sukuks, stocks, mutual funds, structured notes etc.
• Ability to look into and beyond Personal Net Worth Statements/financials and see business proposition.
• Strong structuring skills
• Good understanding of legal and regulatory framework.
• Ability to work under pressure
• Strong communication skills – written and spoken.

• Seniority level Mid-Senior level

• Employment type Full-time

• Job function Finance and Sales
• Industries Banking

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JOB PURPOSE:

The purpose of the job is to prepare review and provide appropriate recommendation of credit facilities for a portfolio of CIB Abu Dhabi clients. The role also entails compliance with all credit policies and guidelines.

KEY ACCOUNTABILITIES:

Generic Accountability

• Guide a team of analyst to ensure robust credit analysis is being conducted and appropriate approvals are obtained within the bank in timely fashion.
• To complete due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensures that emerging risk factors are identified which are addressed by the Term Sheets developed by Product team.
• Provide initial feedback at GLM stage and ensure that appropriate Risk Acceptance Criteria and CIB GCP guidelines are followed as part of GLM approval process.
• Advises Relationship Managers on the risk factors associated with complex transactions and the clauses imperative in mitigating these.
• Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.
• Participate in (large complex) client relationships through client visits / conference calls as part of transaction initiation and monitoring
• Guides Corporate & Investment Banking Departments /Global Banking Corporate Finance with different ways to optimum utilization of credit facilities by the corporate customers without compromise on credit quality.
• Coordinate with internal counterparties (CAD Legal etc.) to provide guidance on risk assessment risk rating and documentation.
• Ensure accuracy of data being presented to various stakeholders including senior management
• Obtain accurate and current information and update the Risk systems (Risk rating models / TOAs etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
• Recommend amendments to the Banks credit policy procedures Risk Rating models credit memorandums risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Banks risk strategy & policy

Job Specific Accountabilities

• Preparation of comprehensive credit papers clearly outlining key risks mitigations and recommendation for presentation to Credit Committee for prospective and existing clients under assigned portfolio
• Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
• Ensure credit processing & approval turnaround times as per agreed SLAs with CIB.
• Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
• Monitor accounts regularly and followup with Business units on terms and conditions to ensure compliance with the approval conditions.
• Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
• Review exception and portfolio reports as applicable and keep abreast of the clients account conduct financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.

Specific Accountability

• To ensure that the quality of the portfolio allocated remains healthy.

FRAMEWORKS BOUNDARIES & DECISION MAKING AUTHORITY:

• Functions within the framework and boundaries of Group policies as well as overall organisational and governance frameworks.
• Authorised to take decisions as per the approved authorisation matrix.

Qualifications :

Minimum Qualification

• Must have Bachelors degree.
• Desirable: Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree or diploma.

Minimum Experience

• 10 years relevant experience in the banking sector with at least 7years in similar positions of progressively increasing managerial responsibilities in the Credit function.

Remote Work :

No

Employment Type :

Fulltime

The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for a portfolio of CIB Abu Dhabi clients. The role also entails compliance with all credit policies and guidelines.

KEY ACCOUNTABILITIES:

Generic Accountability

• Guide a team of analyst to ensure robust credit analysis is being conducted and appropriate approvals are obtained within the bank in timely fashion.
• To complete due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensures that emerging risk factors are identified which are addressed by the Term Sheets developed by Product team.
• Provide initial feedback at GLM stage and ensure that appropriate Risk Acceptance Criteria and CIB GCP guidelines are followed as part of GLM approval process.
• Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
• Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.
• Participate in (large, complex) client relationships through client visits / conference calls as part of transaction initiation and monitoring
• Guides Corporate & Investment Banking Departments /Global Banking- Corporate Finance with different ways to optimum utilization of credit facilities by the corporate customers without compromise on credit quality.
• Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
• Ensure accuracy of data being presented to various stakeholders including senior management
• Obtain accurate and current information and update the Risk systems (Risk rating models / TOAs, etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
• Recommend amendments to the Bank s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank s risk strategy & policy

Job Specific Accountabilities

• Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to Credit Committee for prospective and existing clients under assigned portfolio
• Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
• Ensure credit processing & approval turnaround times as per agreed SLAs with CIB.
• Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
• Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
• Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
• Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.

Specific Accountability

• To ensure that the quality of the portfolio allocated remains healthy.

FRAMEWORKS, BOUNDARIES, & DECISION MAKING AUTHORITY:

• Functions within the framework and boundaries of Group policies as well as overall organisational and governance frameworks.
• Authorised to take decisions as per the approved authorisation matrix.

Desired Candidate Profile

Qualifications

• Must have Bachelor s degree.
• Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree or diploma.
• 10 years relevant experience in the banking sector with at least 7years in similar positions of progressively increasing managerial responsibilities in the Credit function.

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