assistant credit manager
Sharjah Islamic Bank
Total years of experience :17 years, 6 Months
• People Management: Supervise the performance of the coordinators in their daily
operations.
• Provide support and guidance to ensure they are carrying their tasks correctly in timely
and accurate manner, provide training rotation for staff to enhance their knowledge and
to provide backups for each function.
• Customer Service: Attends to and resolves issues and complaints that arise with the
customers according to delegated authorities.
• Liaises with Head Office on behalf of customers to ensure follow up and timely
processing of their complaints, problems, etc.
• Audit Review: Review and discuss internal audit reports findings and act appropriately to
make corrections and avoid repetition of the infraction or violation.
• HR Development & Administration: Monitor the performance of assigned employees,
determines their training needs and provides appropriate coaching and training to
enhance their capabilities and performance.
• Performance Monitoring: Review internal reports, performance against established
targets, comments and provides guidance and support for further action as applicable.
• Policies and Procedures: Communicate the requirements of operational procedures and
instructions to subordinate and monitor their adherence in order to carry out work in a
controlled manner. Adhere to all bank's policies and procedures.
Monitor and analyse a daily MIS reports to be sure the timelines and productivity standard are being adhered to.
Managing Day to day activities of the personal finance, murabaha products.
Handling the discussion channel with business support unit to resolve the business
related issues.
Provide coaching and mentoring to a group of senior analytic professionals,
supervise and train Credit and Risk officers.
Prepares underwriting documents for management review on deals with risk
exceeding standard thresholds.
Exercise strategic vision to identify, design and implement credit policy optimization
specific to new originations, portfolio management, and loan servicing.
Identify and understand performance trends and perform credit portfolio performance
risk analysis including various stress-testing and sensitivity analysis.
Develop methodology to analyse data to predict risks to implement strategies to
minimize the risk
To ensure deviation approvals from product and credit parameters as per the delegated authority matrix
To ensure proper use of assigned delegation authority laid down by the bank
Assisting the Manager/Team Leader in monitoring risk and market trend to suggest
amendment in policies when required to minimize risk & increase quality. Identify
anomalies in credit policy.
Checking and monitoring the authenticity of the facilities proposed by branches/sales
and effectively ensuring that all financial and non-financial parameters are adhered with proper signoff at every stage. Ensuring timely delivery and acceptable risk rating is achieved by the department in all internal and external audits.
Continuously striving to improve productivity rates and increase quality. In order to ensure delivery of quality service to external / internal customer within the committed turnaround time
To identifies and highlights all fraudulent activities thereby reducing risk exposure and increasing quality of analysis.
To ensure Compliance to quality of authenticated documentation and policy parameters
To ensure appropriate level of productivity output to enhance within given resources in times of peak load (month ends, promotions etc..)
To ensure Quality of detailed credit narrations and to facilitate management approval
Analyzing and processing cases based on overall consideration of customer's profile,
employment status and industry, financial position, existing liabilities, aggregate
exposure and capability of repayment
Checking customer's records with Central Bank Report, Collection & Blacklist to
minimize risks associated with customer's integrity, credibility, repayment history and
relationship with other banks
To ensure Contact Point Verification (CPV) is completed
To ensure accuracy of daily/monthly data capture for MIS reports
To conduct internal self audit on processed cases and maintain low risk rating review
by audit
Adherence to Standard Operating Procedures (SOP) and Ensuring Quality Service to
customers
All the above accountabilities includes but not limited to any additional/new tasks or
responsibilities assigned by the line Manager.
To ensure deviation approvals from product and credit parameters as per the delegated authority matrix
To ensure proper use of assigned delegation authority laid down by the bank
Assisting the Manager/Team Leader in monitoring risk and market trend to suggest
amendment in policies when required to minimize risk & increase quality. Identify
anomalies in credit policy.
Checking and monitoring the authenticity of the facilities proposed by branches/sales
and effectively ensuring that all financial and non-financial parameters are adhered with proper signoff at every stage. Ensuring timely delivery and acceptable risk rating is achieved by the department in all internal and external audits.
Continuously striving to improve productivity rates and increase quality. In order to ensure delivery of quality service to external / internal customer within the committed turnaround time
To identifies and highlights all fraudulent activities thereby reducing risk exposure and increasing quality of analysis.
To ensure Compliance to quality of authenticated documentation and policy parameters
To ensure appropriate level of productivity output to enhance within given resources in times of peak load (month ends, promotions etc..)
To ensure Quality of detailed credit narrations and to facilitate management approval
Analyzing and processing cases based on overall consideration of customer's profile,
employment status and industry, financial position, existing liabilities, aggregate
exposure and capability of repayment
Checking customer's records with Central Bank Report, Collection & Blacklist to
minimize risks associated with customer's integrity, credibility, repayment history and
relationship with other banks
To ensure Contact Point Verification (CPV) is completed
To ensure accuracy of daily/monthly data capture for MIS reports
To conduct internal self audit on processed cases and maintain low risk rating review
by audit
Adherence to Standard Operating Procedures (SOP) and Ensuring Quality Service to
customers
All the above accountabilities includes but not limited to any additional/new tasks or
responsibilities assigned by the line Manager.
Checking and posting Murabaha deals through the system.
Deducting the down payment from the accounts of customers.
Initiation or opening accounts (numbers) for the new customers.
Printing L.P.O and the contract documents of the Murabaha.
Printing installments cheques for customers.
Issuing the Manager cheque.
Any enquiry additional work as per manager structures.
Processing Import/Export Documents And Retail Banking
Inquiries, Amendment and Follow Up Of Import/Export Documentary Collection Bills.
Prepare Acknowledgment, Acceptance, Settlement, Reminder Inquiries And
Amendment Swift Messages.
Communicated Closely With Customers And Other Financial Institutions Regarding
Check Errors. Initiated Investigations And Updated Appropriate Parties Accordingly.
