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.