Assistant Manager
AL KHALIJI FRANCE S.A
Total years of experience :27 years, 4 Months
primary responsibilities of this position is the effective management of loan performance in accordance with the approved credit risk policies, guidelines and procedures. And the effective administration of the credit facilities in accordance with the mandate as prescribed in the credit risk policies and guidelines.
•Ensure the compliance with bank’s credit risk appetite, best practice and local regulatory requirements.
•Support the Management in the development of policies, procedures on credit administration, impairments, write-off and arrears management.
•Maintain a tracker of all issues raised in Audits, Business Reviews and Regulatory Audits
•Monitor grading of accounts and related provisioning and promptly recommend amendments to relevant approving authorities as and when the risk profile of borrowers change.
•Daily monitoring of outstanding balances versus approved limits on all accounts that bear a credit risk, including unauthorized excesses and ensuring that all excesses are either duly approved by the relevant authority or declined and entries reversed.
•Ensure that adequate insurance covers and/or collateral is maintained.
•Developing timely and effective account rectification strategies in collaboration with respective Relationship Managers/officers in relation to problem accounts to protect the bank’s lending position and minimize losses.
•Produce daily, monthly and quarterly credit reports for senior management.
•Ensure timely delivery and accuracy of periodic reports to CB, Risk Bureau
Preparation of necessary documentation in line with the Facility Letter Agreement. Manage the second custodian of original / security documents, monitor receipt of original security documents, verify original documents and keep them safe. Participate in the preparation of necessary documentation, ensuring the required information along with the Facility Letter Agreement.
process, in terms of the Credit Policy Manual, manage loan documentation portfolio, feed the limits as per sanction/facility letter agreement in core banking systems.
Key Result Areas
•Second Custodian of original / security documents.
•Ensure to forward the documents Original/copy to head office and keep a track.
•Ensure freeze hold / release the accounts as per the RM/SRM instruction
•Ensure execution of drawdown on loans as per client requests by head office
•Monitor and track discounting of PPCs
•Collection of Management/processing fees as per RM/SRM instruction
•Ensure proper codes (business, category, purpose) are in place in Bank system
• Ensure compliance with CB requirements such as Secret Numbers
•Ensure timely delivery and accuracy of periodic reports to CB
•Obtain credit checking from time to time from banks as per terms of sanction.
•Update of Financial Covenants on Corporate Credit facilities
• Liaise with internal/external audit to ensure smooth pre/post-audit.
Analysing and reviewing Schematic Loans (deviation); Personal Loans; Auto Loans; Commercial Loans; Credit Cards (Analyzing, Appraising) and, preparing the offer letters, charge documents, pre-approval letters of Mortgage
Perform clerical duties such as opening and sorting mail, file correspondences and documents, record items (e.g. cheques) paid in to and cashed by the tellers, process and update daily transactions. Maintain accounting procedures, examine all checks and other vouchers to ensure that signatures and other details are in order; answer customers’ enquiries regarding their accounts; make sure that reports conducted correctly; control ‘authority to operate’ on accounts and look after regular payments for customers.
Assess the viability and credit risk of business and consumer loan proposals; sell bank products and services; evaluate and process applications for credit or loans and, in a commercial enterprise, control and process accounts
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banking, operation, risk management
courses: Canadian Banking Higher Diploma – AICB(CIS) – EIBFS
