Assistant Manager - Credit Risk (UAE National)

b) Proactive Business Support and Quality of interaction with allocated BUs (to be 2 way)

c) Understand Customer Needs and undertake BU/customer visits as required.

Internal-Process

a) Quality of Credit Recommendations &/or approvals; necessary escalations/discussions

b) Adherence to Policy/Processes/Guidelines

c) Undertake sector/portfolio reviews

Internal-Compliance

a)Accuracy & quality of comments on various reports; monitor exception reports & a/cs for timely inclusion on EAR as per control & monitoring requirements.

b) Escalate covenant breaches & other audit remarks.

c)Ensure proactive portfolio management through regular monitoring of a/cs, especially PD/OLEM/EAR/PROV forecast a/cs/ repayments & reduce NPLs.

d) Monitor all exceptions on a proactive basis & minimize review overdue/ covenant overdue/ DDR.

e) Contribute towards achieving acceptable INA rating as a minimum (measured by GCD INA rating)

f) IFRS9 Governance & Staging to be completed per policy.

g) To ensure compliance with regulatory requirements.

h)To support ENBD ESG initiative through automation of scorecard integrated in nCino (Loan Origination System) for credit assessment of proposals › AED 50M.

Initiatives-Project

a) Contribute towards policy/process revisions, industry reviews besides DLA authorities & controls.

b) Proactiveness to provide suggestions for overall improvement in procedures or processes

c) Initiative and involvement in special projects from time to time (measured by actual projects).

Employee-People

a)Initiative to improve knowledge, develop technical & soft skills of self by completing the required training programs including AI-related training courses.

b) Develop product, policy& procedures knowledge.

c) Effective interaction with colleagues to share knowledge & aim at Customer Satisfaction (measured via GCD CSAT scores)

d) Teamwork for various initiatives such as ideas and action as detailed below.

•Ensure proactive dynamic redistribution of workload among GCD staff by supporting other teams to achieve TAT for business proposals.

• Improvement of credit request processing End to End TAT.

• Contribute to positive team spirit.

e) Any other special tasks assigned by GCCO/ Head of Credit Risk Management/ Head of Credit Review.

Education

• Bachelor’s or master’s Degree
• Diploma/certification in banking/finance

Experiences

• 3+ years of banking experience
• 1 year experience in corporate credit

Knowledge & Skills

• Knowledge of corporate products including Trade Finance, Treasury, and Syndications/Club deals; and Real estate and Project finance

Behavioral Competencies

• Ability to manage high volumes, while ensuring required due diligence
• Ability to work independently and positive team spirit
• Ability to interact with various levels of seniority
• Initiative to learn and improve credit skills

1. Credit risk integrity in loan underwriting decisions

• Review credit applications to ensure alignment with internal risk policies and regulatory requirements.
• Validate supporting financial documents and credit information for accuracy and completeness.
• Identify inconsistencies or potential red flags in borrower profiles and escalate as appropriate.
• Document credit assessment findings clearly to support transparent decision-making.
• Coordinate with relationship managers to clarify application details and mitigate information gaps.

Performance Measures:

• Quality of credit application reviews as evidenced by audit outcomes
• Frequency of escalated exceptions due to incomplete or inaccurate documentation
• Stakeholder feedback on clarity and usefulness of credit assessment documentation

2. Operational risk mitigation in credit assessment processes

• Apply established credit risk controls when processing loan applications to minimise operational errors.
• Monitor adherence to data privacy and confidentiality standards throughout the assessment process.
• Flag process deviations or control breaches to the manager for timely remediation.
• Maintain accurate records of credit decisions in the bank's risk management system.
• Support periodic process reviews by providing input on observed risks or inefficiencies.

Performance Measures:

• Incidence of operational errors or control breaches in credit processing
• Quality of record-keeping as assessed in internal reviews
• Effectiveness of risk mitigation as reflected in reduced process deviations

3. Regulatory compliance in credit documentation and reporting

• Verify that all credit files meet regulatory documentation standards prior to approval.
• Ensure mandatory disclosures and compliance checklists are completed for each application.
• Assist in preparing periodic reports for regulatory or internal audit purposes.
• Escalate potential compliance gaps or irregularities to the manager without delay.

Performance Measures:

• Absence of regulatory findings related to credit documentation
• Completeness of compliance checklists in reviewed files
• Timeliness and accuracy of data provided for regulatory reporting

4. Data accuracy and quality in credit risk systems

• Input and update credit risk data in core banking and risk management platforms with precision.
• Cross-check system entries against source documents to prevent data integrity issues.
• Identify and report data discrepancies or system errors to relevant stakeholders.
• Support data quality initiatives by participating in periodic data cleansing exercises.

Performance Measures:

• Accuracy of credit risk data entries as verified by system audits
• Resolution rate of reported data discrepancies
• Contribution to improved data quality metrics in credit risk systems

• Bachelor's degree in Finance, Accounting, Business, or related field
• Relevant certification such as Credit Risk Certification (CRC) or equivalent preferred
• Ongoing professional development in credit risk or banking regulations

المصدر: صفحة وظائف Emirates NBD