Credit Specialist- National loans (Emiratised)

FAB, the UAE's largest bank and one of the world's most secure financial institutions, is dedicated to creating value for its employees, customers, shareholders, and communities. Through innovation, agility, and differentiation, FAB is committed to fostering growth. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting and dynamic industry

JOB PURPOSE:

Credit underwriting and exceptions channel

KEY ACCOUNTABILITIES

People Management

• Act as a role model and drive adherence to organisational values and ethics by employees of the assigned department to foster a value driven culture within the Group.

Policies, Systems, Processes & Procedures

• Ensure effective implementation of Credit & Collections Personal Banking functional policies, procedures and controls covering all areas of assigned department activity so that all relevant procedural/legislative requirements, fulfilled while delivering a quality, cost-effective service.

Credit Initiation Management

• Processing the credit approval for non-engine related cases.
• Processing the exceptional approval cases which was raised and approved through the exceptions channel.
• Support Retention and Collections teams in their proposals.
• Participating in Enhance the use of technology in the credit initiation management to increase the efficiency and effectiveness of the Department.
• Daily sampling credit engine approved cases to ensure approval within the policy and report any decision failure.

Minimum Qualification

• Bachelor’s degree in finance or related discipline.

Minimum Experience

• 5 years’ relevant experience in the banking sector with at least 3 years in similar positions.