Assistant Credit Manager (UAEN ONLY) | Emirates Islamic DubaiEmirates Islamic was launched in 2004 to deliver the highest standards of banking services in line with the highest standards of Shari’a principles. Offering a broad range of products designed for individuals and small businesses as well as large corporations, Emirates Islamic is the right choice for those looking for excellence in managing their finances.Assistant Credit Manager (UAEN ONLY) | Emirates Islamic Dubai | Apply NowDo miss out on thisn’t m exciting opportunity – apply now at dubaiofferz.comJob PurposeAssessing credit proposal from the allocated Commercial Banking portfolio, to ensure these fit within Bank’s strategy and Credit policy.Contribute to facility structuring & ensure completeness of applications incl. detailed analysis of sector/ industry and all associated risksMeet customers to get first-hand view of the proposal and undertake site visits as required.Ensure that lending proposals are in compliance with Bank’s credit policy and also in compliance with UAE Central Bank’s regulatory norms.Monitoring portfolio of assets and exercising close surveillance to ensure its healthy status; research and analyze both micro and macro development in relation to credits to provide anticipatory warnings of risks, foresee danger signals and advise measures to prevent losses.Identify weak accounts within allocated portfolio and recommend for downgrading – with or without provisioning.Control, monitor and follow-up credits via review of irregular and past due accounts, pending documentation and overdue renewals.Interacting with business managers up to the level of Heads of Business Banking Credit.Undertaking special projects and assignments in credit area.Job ContentQuality of Credit Recommendations &/or approvals; necessary escalations/discussions.Adherence to Policy/ Processes/ Guidelines.Undertake sector/ portfolio reviews.Ensure proactive portfolio management through regular monitoring of a/cs especially PD/ OLEM/ EAR a/cs & reduce NPLs.Maintain Service Quality and adherence to TATs.Proactive Business Support/ Quality of interaction with allocated BUs (to be 2 way).Understand Customer Needs and undertake BU/ customer visits as required.Accuracy & quality of comments on various reports; monitor exception reports & a/cs for timely inclusion on EAR as per control & Monitoring policy.Escalate covenant breaches & other audit remarks.Contribute towards achieving acceptable INA ratingInitiative to improve knowledge and technical skills.Develop product, policy & procedures knowledge.Effective interaction with colleagues to share knowledge.Contribute towards policy/ process revisions, industry reviews besides revised authorities & controls.Pro-activeness to provide suggestions for overall improvement in policy, procedures or processes.Initiative and involvement in special projects from time to time.#J-18808-Ljbffr