Specialist- Credit - Real Estate (Emirati)

at  bankfab

COMPANY DESCRIPTION

Looking to join the #1 bank in the UAE and one of the most prestigious in the region? We’re looking for professionals who are driven, skilled, and ready to take on new challenges. Together, we can achieve our goals, making a lasting impact on both our company and the industry as a whole.
Join us and leave your mark on the industry. Let’s work together to achieve great things and unlock new possibilities for our employees, customers, and communities.

KEY ACCOUNTABILITIES:

• Review loan proposals and related documents submitted keeping in mind the approved credit policies, procedures and market dynamics to produce high quality of credit assessment memos for underwriting purposes.
• Adhere to & comply with departmental policies, standard operating procedures, and practices so that the work is carried out in a smooth & methodical manner.
• Exhibit consistency with organization’s values and ethics always to demonstrate a value driven culture within the bank.
• Contribute towards continuous improvement and sustainability of policies, systems, process, and methods in line with changing needs and requirements so as to efficiently carry out the duties.
• Have in-depth understanding of regulatory and internal retail bank policies.
• Exhibits good communication & writing skills when preparing & submitting credit proposals to approving authorities within the Bank.
• Back-up to the credit manager(s)

QUALIFICATIONS

• Minimum Education required: Minimum Bachelor’s degree preferably in Finance/Banking/ Commerce.
• 5 years’ relevant experience in credit/credit Administration and or banking experience.
• Time-management skills.
• Advanced financial and credit analysis knowledge and skills
• Communication & interpersonal skills. Ability to communicate with various internal customers, being several coverage counter parties, credit administration team….etc.
• Detail-oriented team player with a strong understanding of Real Estate markets and credit underwriting skills.
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Conduct initial in-depth credit assessment of credit applications seeking financing for large residential and/or commercial real estate, this portfolio is consisting of 700 plus accounts with a portfolio value of AED 12 billion and growing. The job role includes providing support to the Credit Managers, head of underwriting, senior underwriting and head of policies and to the head of real estate credit, mainly focusing on performing technical credit applications assessment, updating the senior management checklist for approvals and other admin tasks for the underwriting process.