Transguard Group was established in 2001 and has diversified significantly, we lead in the fields of Cash Services, Security Services, Manpower Services, Facilities Management & Aviation. Transguard Group is the UAE\xe2\x80\x99s most trusted business support and outsourcing provider and has a large, dynamic, and culturally diverse workforce with 50,000 employees! We are currently recruiting for Credit Analyst to be based out of their office in Dubai.

Job Purpose:

• The role of the Job Holder is to take key decisions as well as to underwrite individual applications of Customers applying for Retail Banking products - Mortgage Loans, Personal Loans, Auto Loans and Credit Cards, BAF as defined in the Retail Credit Policy of the Bank.
• The job holder works as a checker, which means that he/she has delegation to approve high value transactions typically around avg AED 5O0K to AED 1.0 mill exposure depending on the Product, and also reviews deviations (out of policy cases) and restructuring cases to be proposed to the delegated authority.

Responsibilites:

• Ensure quality underwriting of Credit Applications as per Approved credit policies and within the given Delegation of Authority. With minimum error rate.
• Maintain high level of productivity with no compromise in the quality of processing.
• Check and approve applications within his/her delegation.
• Evaluate and escalate applications with judgemental and deviations on the basis of borrowers character and integrity, capability of repayment, business, economic and personal conditions, capital input and collateral available to the proper authority as defined in the Credit Policy of the
• Retail Banking PPGs.
• Communicate the decision to the Front end via an email Draft/Pre approval Letter.
• Detailed assessment of the Business verification reports and other Business-related documents.
• Final Offer Letters to be check and signed post completion by the maker.
• Reconciliation of invoices for Field Visits and Perfios.
• Analysing and escalating restructure cases.
• Adherence to Operational Risk Guidelines.
• Full Compliance to all relevant policies and procedures governing Risk-based underwriting & ensure a minimum satisfactory INTERNAL AUDIT Rating. No Adverse audit findings with high risk Impact.
• Resolution of all audit findings within prescribed time frame.

Skills

• Minimum of 4 to 5 years of underwriting experience in credit related work.
• Written and spoken English \xe2\x80\x93 Arabic preferred.
• Good understanding of banking operations, Bank policies, procedures, guidelines, statutory requirements, market
• conditions.
• High level of interpersonal and negotiating skills.
• Credit & Financial Analysis Skills
• Should have an eye for details.
• Good communication skills.

Transguard Group