Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.

CBD has been recognized as the number one bank in the UAE on the Forbes list of The World\xe2\x80\x99s Best Banks 2022.

As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers - and delivering service that really goes the extra mile.

JOB PURPOSE

Job holders at this level are directly responsible for conducting assessments of completed credit proposals related to Islamic Banking Segment along with Conventional Corporate Banking. Applications are usually complex, of a significant value with multiple entities involved in various lines of trade. Analysis is conducted through the application of well-developed investigative and analytical skills and processes. Their findings will form the basis of ultimate decision making.

Quite often the job holder will be expected to function under extreme pressure arising from short turnaround times, significant value of the exposures proposed, complex nature of the proposals, business demands and dealing with individuals with strong personalities.

Receives credit proposals for Islamic Banking Segment along with Conventional Corporate Banking and examines them to ensure completeness of supporting information/ documents and compliance with Bank\xe2\x80\x99s requirements.

Undertakes detailed analysis of proposals by strictly adhering to:

Basic principles of lending

Bank\xe2\x80\x99s procedures & Policies

UAE Central Bank Rules

Regulations wherever applicable

to assess quality and proper asset selection.

Conducts proper due diligence as to identification of gaps, if any in terms of disclosures/ information in proposals

Addresses and clarifies issues or points raised at the review stage prior to preparation of the SWOT Analysis

Prepares credit proposals with SWOT Analysis covering all significant factors (Strengths & Risks) for review and recommendation by Team Leaders, ensuring accuracy and completeness.

Addresses further queries/ requirements if any required by the Team Leaders / Unit Head for decision making or initiation of the decision process.

Communicates the Management decision on credit proposals to Business Analysts, RMs, Branch Managers, Segment Heads, Other Units & Unit Heads

Maintains proper records for receipt, processing & disposal of credit proposals/ JETS for monitoring reports, internal/ external requirements

Group:
Credit Risk

QUALIFICATIONS

(Both academic & Professional essentially required)

Bachelors Degree any discipline

5 year\xe2\x80\x99s finance experience with 4 years in general banking and 1 years in the Credit function.

Analytical Thinking & Problem Solving

Concern for order and attention to details

Concern for quality \xe2\x80\x93 90% Acceptance level of decisions

Well organized work \xe2\x80\x93 Team Player

High Level of commitment in every aspect of work & CBD values

CBD