To assess and make decision on lending proposals by applying credit risk management skills with an objective to maintain optimum risk-return balance in retail assets portfolio
ACCOUNTABILITIES
1. Credit Analysis
Conduct basic credit analysis and prepare credit assessment notes, conduct analysis of the profit and loss, balance sheet review, valuation analysis, client credit interview and bank statement review to assess the lending proposal as per specified policies and prepare the credit evaluation reports
2.Portfolio Management
Approve lending proposals as per the delegation matrix and policies and use credit skills to ensure quality of portfolio is within the prescribed risk appetite with controlled delinquency and losses
3. Process Efficiency
Meet the service level agreement on turnaround time, reduce and improve rework rate and process related errors to prescribed threshold and no policy related errors to ensure delivery of optimum service standards for both internal and external customers
4. Constant Feedback
Establish and maintain a constant feedback mechanism between credit, collections, fraud and policy units on material observations in applications that may be instrumental in calibrating processes and policies for better credit risk management
5. Policies, Processes, Systems and Procedures
Adhere to all relevant organisational and departmental policies, processes, standard operating procedures and instructions so that work is carried out to the required standard and in a consistent manner while delivering the required standard of service to customers and stakeholders
6. Self-Management
Manage self in line with the bank\xe2\x80\x99s people management policies, procedures, processes and practices to ensure adherence and to maximise own contribution to business performance
7. Customer Service
Demonstrate our Promise and apply the ADCB Service Standards to deliver the bank\xe2\x80\x99s required levels of service in all internal and external customers interactions
Skills
EXPERIENCE, QUALIFICATIONS & COMPETENCIES
At least 2 years of experience in credit risk management in a financial institution, preferably credit underwriting in retail banking
Qualifications
Bachelor\xe2\x80\x99s Degree in Finance
Professional Qualifications Knowledge and Skills
Working knowledge of banking and financial services
Knowledge of credit risk management tools and financial statement analysis
Analytical and logical reasoning with good negotiation skills
Intermediate MS Office \xe2\x80\x93 Word, Excel and PowerPoint