Specialist- Credit - Real Estate (Emiratised)

at  bankfab

COMPANY DESCRIPTION

Now it’s your time to join the #1 bank in the Middle East and one of the most prestigious financial companies in the region. Shaking up the world of banking requires a lot of smarts and skill. We’re looking for the brightest and best to help us reach our goals and we’ll also help you reach yours.
Your success is our success as you grow stronger in your career. Join us and leave a legacy of your own, as a pioneer in both the company and the industry.

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)

QUALIFICATION:

• Minimum Education required: Minimum Bachelor’s degree preferably in Finance/Banking/ Commerce.

MINIMUM EXPERIENCE:

• 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 check-list for approvals and other admin tasks for the underwriting process.