Senior Manager - Credit Support

Purpose of the job
Oversee and manage the credit application process, conduct credit risk assessments and support the business unit in managing customer relationships and protecting and improving the quality of assets in the assigned portfolio in order to support the achievement of the Group’s defined financial and non-financial objectives
Responsibilities
Portfolio Management: Process new and existing credit proposals, monitor assigned portfolios, conduct annual reviews, work with key stakeholders to formulate strategies, channel critical information on market trends and evaluate their impact on the portfolio to ensure continued portfolio quality and identify opportunities to improve operations
Financial Analysis: Analyze Moody's financial statements from the balance sheet, income statement and cash flow statement, perform trend analysis and ratio analysis and provide an opinion on financial health as well as financial projections to ensure decision makers are provided with a clear view of the client's financial health
Risk assessment: Identify potential risks (e.g.: business risks, financial risks, composition risks) to assess and mitigate their extent and forecast potential risk mitigation actions to ensure the health and quality of the portfolio and support revenue generation.
Customer Support: Follow up liaison with key stakeholders to investigate enquiries, status and updates and early credit engagement to ensure compliance with set response times and SLA levels and support business development
People Management: Manage self and team in accordance with ADCB's people management policies, procedures, processes and practices to ensure commitment and maximize own and employee contribution to business performance. Organizing and supervising the activities and work of the team to ensure the achievement of operational goals and plans in accordance with the required policies, procedures and systems
Policies, procedures, systems and procedures: Implement approved departmental management policies and procedures and ensure adherence to them by employees so that work is carried out at the required level while providing the required standards of service to customers and stakeholders.
Continuous Improvement: Manage and motivate the team to ensure they contribute to defining and implementing change initiatives, programs and projects in accordance with the Bank’s standards
Customer Service: Demonstrate our promise and apply ADCB service standards to deliver required levels of service in all internal and external interactions with customers