Senior Credit Analyst Commercial Bank of Dubai

  • Full time
  • Dubai, UAE
  • Posted 4 months ago
  • 10000-18000 AED / Month

Commercial Bank of Dubai

https://www.cbd.ae/

Senior Credit Analyst at Commercial Bank of Dubai is responsible to take key decisions as well as to underwrite individual applications of Customers applying for Retail Banking products Mortgage Loans, Personal Loans, Auto Loans and Credit Cards, BAF as defined in the Retail Credit Policy of the Bank. Work as a checker and have the delegation to approve high value transactions typically around avg AED 500K to AED 1.0 million exposure depending on the Product, and also reviews deviations (out of policy cases) and restructuring cases to be proposed to the delegated authority.

Responsibilities of Senior Credit Analyst

  • Ensure quality underwriting of Credit Applications as per Approved credit policies and within the given Delegation of Authority. With minimum error rate.
  • Maintain high level of productivity with no compromise in the quality of processing.
  • Check and approve applications within his/her delegation.
  • Evaluate and escalate applications with judgmental and deviations on the basis of borrowers character and integrity, capability of repayment, business, economic and personal conditions, capital input and collateral available to the proper authority as defined in the Credit Policy of the Retail Banking PPGs.
  • Communicate the decision to the Front end via an email Draft/Pre approval Letter.
  • Detailed assessment of the Business verification reports and other Business related documents.
  • Final Offer Letters to be check and signed post completion by the maker.
  • Reconciliation of invoices for Field Visits and Perfios.
  • Analyzing and escalating restructure cases.
  • Ensure completion of cases within prescribed TAT and full adherence to SLA with Business Group.
  • Adherence to Operational Risk Guidelines.
  • Full Compliance to all relevant policies and procedures governing Risk based underwriting & ensure a minimum SATSIFACTORY INTERNAL AUDIT Rating.
  • NO Adverse audit findings with HIGH RISK Impact.
  • Resolution of all audit findings within prescribed time frame.

Requirements of Senior Credit Analyst

  • Minimum of a Bachelor’s Degree.
  • Minimum of 4 to 5 years of underwriting experience in credit related work.

Skills and Knowledge Desired

  • Good understanding of banking operations, Bank policies, procedures, guidelines, statutory requirements, market conditions.
  • Strong working knowledge of business software applications, particularly spreadsheets.
  • High level of interpersonal and negotiating skills.
  • Credit & Financial Analysis Skills.
  • Should have an eye for details.
  • Good communication skills.

Senior Credit Analyst Dubai Islamic Bank

Head of Financial Models & Analytics Commercial Bank of Dubai

Senior Credit Documentation Officer Commercial Bank of Dubai

Related Jobs

Showing 1 - 4 of 270 jobs
Add Alert
Sign in or create an account to continue.
Sign inCreate Account

To apply for this job please visit www.comeet.com.

You can apply to this job and others using your online resume. Click the link below to submit your online resume and email your application to this employer.

Job Overview
Job Location