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.