JOB PURPOSE

To oversee and manage the process of credit applications, conducting credit risk assessments, supporting business unit in managing client relationships, protecting and improving asset quality of assigned portfolio in order to support the achievement of the groups pre-set financial and non-financial objectives

ACCOUNTABILITIES

Portfolio Management

Process new and existing credit proposals, monitor allocated portfolios, conduct annual reviews, work with key stakeholders to articulate strategies, communicate critical information on market trends and assess impact on portfolio to ensure continuity of portfolio quality and identify opportunities to improve processes

Financial Analysis

Analyse financial data spreads (Moody\xe2\x80\x99s) from balance sheet, profit and loss statement and cash flow statement, conduct trend analysis, ratio analysis and provide opinion on the financial health along with financial projections to ensure decision makers have a clear view on the client\xe2\x80\x99s financial health

Risk Assessment

Identify and possible risks (for example: business risk, financial risk, structure risk) to assess and mitigate the extent of their impact and foresee possible risk mitigation measures to ensure portfolio health and quality and support revenue generation

Customer Support

Follow-up with key stakeholders for queries, status, updates and credit early involvement to ensure compliance to stipulated turnaround times and service level agreements and support in business development

People Management

Manage self and team in line with ADCB\xe2\x80\x99s people management policies, procedures, processes and practices to ensure adherence and to maximise own and employee contribution to business performance

Organise and supervise the activities and work of the team to ensure that targets and objectives are achieved and the business plan is delivered in line with the required policies, processes, procedures and systems

Policies, Processes, Systems and Procedures

Implement approved departmental policies, processes and procedures, and ensure employee adherence so that work is carried out to the required standard while delivering the required standards of service to customers and stakeholders

Continuous Improvement

Manage and motivate the team to ensure they contribute to, and participate in, the identification and implementation of change initiatives, programmes and projects in line with the Bank\xe2\x80\x99s standards

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 customer interactions

Skills

EXPERIENCE, QUALIFICATIONS & COMPETENCIES

Minimum Experience

At least 8 years of experience in Banking including at least 3 years\xe2\x80\x99 experience in a credit-risk related position

Minimum Qualifications

Bachelor\xe2\x80\x99s Degree in Business, Accounting or Finance

Knowledge and Skills

Analytical skills

MS Office skills (PowerPoint, Excel and Word)

Verbal and written communication skills

Report writing skills

People Management skills

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