Assistant Manager - Credit Risk (UAE National)

Emirates NBD · United Arab Emirates

In line with the UAE Government’s strategy in empowering and developing nationals, Emirates NBD is committed to welcoming the young generation into an innovative, modern and supportive work environment to contribute to the nation's success.

We are looking to find the best UAEN talent to join our ENBD family.

Job Description

Organization Unit Purpose

Appraisal, assessment & control of credit exposures
Control function, which ensures group takes on assets which meets the Group’s standards on lending in terms of risk
Setting up up of credit limits for clients and delegated approval limits
Set up Credit policies which allow us to process credit proposals from Business Units (Wholesale Banking, BUB, PB - UAE & International) within agreed timeframe / turn-around time and ensure response levels.
On going measurement of credit risk
Assessment of provisions, portfolio health etc

Job Purpose

Evaluate credit proposals submitted by the Wholesale banking business units. Analyse and submit recommendations to management
Evaluate credit risk and suggest mitigating measures where possible
Ensure to maintain good quality of the Corporate Credit portfolio of the accounts/ BUs allocated
Ensure that lending proposals are in compliance with policies & UAE CB regulations
Close monitoring of portfolio of one / more CBUs (depending on size of CBU) especially accounts on border line i.e. OLEM / Substandard to ensure that they do not get into non performing category
Advise BUs with respect to managing of difficult accounts and monitor their progress
Review and make appropriate recommendations for provisioning of weaker accounts with respect to the portfolio allocated
Monitor exception / reports excesses, past dues, utilisation with respect to the allocated portfolio
Maximising returns from a relationship – advise relationship team/management on strategies for various groups
Analyse requests for changes in documentation / standard terms inclding liasing with stakeholders like Legal, CRAD, etc.

Job Content

Customer-Services

a) Maintain Service Quality and adherence to TATs (measured via Track Soft or similar reports)

b) Proactive Business Support and Quality of interaction with allocated BUs (to be 2 way)

c) Understand Customer Needs and undertake BU/customer visits as required.

Internal-Process

a) Quality of Credit Recommendations &/or approvals; necessary escalations/discussions

b) Adherence to Policy/Processes/Guidelines

c) Undertake sector/portfolio reviews

Internal-Compliance

a)Accuracy & quality of comments on various reports; monitor exception reports & a/cs for timely inclusion on EAR as per control & monitoring requirements.

b) Escalate covenant breaches & other audit remarks.

c)Ensure proactive portfolio management through regular monitoring of a/cs, especially PD/OLEM/EAR/PROV forecast a/cs/ repayments & reduce NPLs.

d) Monitor all exceptions on a proactive basis & minimize review overdue/ covenant overdue/ DDR.

e) Contribute towards achieving acceptable INA rating as a minimum (measured by GCD INA rating)

f) IFRS9 Governance & Staging to be completed per policy.

g) To ensure compliance with regulatory requirements.

h)To support ENBD ESG initiative through automation of scorecard integrated in nCino (Loan Origination System) for credit assessment of proposals > AED 50M.

Initiatives-Project

a) Contribute towards policy/process revisions, industry reviews besides DLA authorities & controls.

b) Proactiveness to provide suggestions for overall improvement in procedures or processes

c) Initiative and involvement in special projects from time to time (measured by actual projects).

Employee-People

a)Initiative to improve knowledge, develop technical & soft skills of self by completing the required training programs including AI-related training courses.

b) Develop product, policy& procedures knowledge.

c) Effective interaction with colleagues to share knowledge & aim at Customer Satisfaction (measured via GCD CSAT scores)

d) Teamwork for various initiatives such as ideas and action as detailed below.

•Ensure proactive dynamic redistribution of workload among GCD staff by supporting other teams to achieve TAT for business proposals.

• Improvement of credit request processing End to End TAT.

• Contribute to positive team spirit.

e) Any other special tasks assigned by GCCO/ Head of Credit Risk Management/ Head of Credit Review.

Education

Bachelor’s or master’s Degree
Diploma/certification in banking/finance

Experiences

3+ years of banking experience
1 year experience in corporate credit

Knowledge & Skills

Knowledge of corporate products including Trade Finance, Treasury, and Syndications/Club deals; and Real estate and Project finance

Behavioral Competencies

Ability to manage high volumes, while ensuring required due diligence
Ability to work independently and positive team spirit
Ability to interact with various levels of seniority
Initiative to learn and improve credit skills

Step into Group Credit at Emirates NBD Group as an Assistant Manager - Credit Risk, supporting efforts to protect the bank and enable confident, compliant growth by reviewing credit applications, applying established credit risk controls when processing loan applications and verifying that all credit files meet regulatory documentation standards prior to approval.

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