Assistant Manager - Credit Risk (UAE National)

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 DescriptionOrganization Unit PurposeAppraisal, assessment & control of credit exposuresControl function, which ensures group takes on assets which meets the Group’s standards on lending in terms of riskSetting up up of credit limits for clients and delegated approval limitsSet 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 riskAssessment of provisions, portfolio health etcJob PurposeEvaluate credit proposals submitted by the Wholesale banking business units. Analyse and submit recommendations to managementEvaluate credit risk and suggest mitigating measures where possibleEnsure to maintain good quality of the Corporate Credit portfolio of the accounts/ BUs allocatedEnsure that lending proposals are in compliance with policies & UAE CB regulationsClose 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 categoryAdvise BUs with respect to managing of difficult accounts and monitor their progressReview and make appropriate recommendations for provisioning of weaker accounts with respect to the portfolio allocatedMonitor exception / reports excesses, past dues, utilisation with respect to the allocated portfolioMaximising returns from a relationship – advise relationship team/management on strategies for various groupsAnalyse requests for changes in documentation / standard terms inclding liasing with stakeholders like Legal, CRAD, etc.Job ContentCustomer-Servicesa) 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-Processa) Quality of Credit Recommendations &/or approvals; necessary escalations/discussionsb) Adherence to Policy/Processes/Guidelinesc) Undertake sector/portfolio reviewsInternal-Compliancea) 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-Projecta) Contribute towards policy/process revisions, industry reviews besides DLA authorities & controls.b) Proactiveness to provide suggestions for overall improvement in procedures or processesc) Initiative and involvement in special projects from time to time (measured by actual projects).Employee-Peoplea) 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.EducationBachelor’s or master’s DegreeDiploma/certification in banking/financeExperiences3+ years of banking experience1 year experience in corporate creditKnowledge & SkillsKnowledge of corporate products including Trade Finance, Treasury, and Syndications/Club deals; and Real estate and Project financeBehavioral CompetenciesAbility to manage high volumes, while ensuring required due diligenceAbility to work independently and positive team spiritAbility to interact with various levels of seniorityInitiative to learn and improve credit skills