Assistant Credit Manager Dubai Islamic Bank

Dubai Islamic Bank is presently recruiting suitably qualified and skilled candidate for the role of Assistant Credit Manager. The company published this job on December 14, 2023. If you are willing for this job role then apply now.

Responsibilities of Assistant Credit Manager

• To review and monitor the authenticity of the facilities and documentations proposed by branches/sales and effectively ensure that all financial and non-financial parameters are adhered
• To review credit proposals ensuring all information required is laid down with ensuring minimal error
• To ensure timely delivery of credit decisions to customers of all cases received at the department and to ensure delivery of quality service to internal departments; branches, sales, credit admin, and operations
• To provide guidance and act as on-line consultant to branches and direct sales force to structure/restructure the facilities and professionally communicate and follow-up to resolve pending or unresolved applications requiring clarifications and to incorporate corrective measures where possible
• To comply with all credit policy parameters and capture any deviations approved as per proper authorities
• To ensure SME MIS is properly update and deviations details provided to facilitate policy manager reports
• To incorporate professional risk assessment and judgment and other relevant aspects to facilitate decision making by the approving authority
• To continuously strive to improve productivity rates and increase quality
• To adhere to all required procedures, processes and SLAs of the department
• To assist HOCI HF and Credit Manager HF to analyze all new product programs
• To assist to identify anomalies/gaps in credit policy guidelines and operational processes
• To provide on the job guidance, coach, enhance require skills and ensure to give proper training to the team (where applicable)

What You’ll Do More?

• To analyze and process cases based on overall consideration of customer’s profile, employment status and industry, financial position, existing liabilities, aggregate exposure to DIB, capability of repayment and credit history, relationship with DIB (internally with other departments e.g. status of other availed facilities from corporate and relationship manager’s recommendations) and other banks. Recommendation of cases to higher level of authority. Adequate market knowledge of UAE property market.
• Ensure compliance with the approved policies, procedures, SLAs and regulatory requirements to maintain quality standards and ensure risk mitigation.
• Coach, train and develop team skills by identifying training needs and assign appropriate learning platform to the team.
• Review team performance and deliverables in line with the approved KPI’s to ensure meeting desired objectives.
• Ensure all assigned tasks and projects are executed within the approved policies, procedures and SLAs of the department.
• Incorporate and comply with the bank’s core values especially the Customer First in your day to-day activities.

Eligibility Requirements

The requirements of Assistant Credit Manager are as under: