Credit Manager - Investment Products

  • Competitive
  • Abu Dhabi, Abou Dabi, EAU
  • CDI, Plein-temps
  • Abu Dhabi Commercial Bank
  • 17 déc. 17 2017-12-17

• To develop and implement the risk strategy, policy and procedures for investment products along with monitoring the investment portfolio performance and maintaining an optimum risk balance in investment product portfolio that are in line with bank’s risk appetite and regulatory requirements

ACCOUNTABILITIES

Credit Risk Management

  • To formulate the risk strategy, credit policy and procedures for investment products in line with the bank’s risk appetite and regulatory norms and implement the same.
  • Approve and list the securities and modify it from time to time as per the market changes and requirements placed by the business and ensure that the mark to market, margin maintenance and liquidation process is robust and consistent to avoid any loss out of delayed execution and collateral deterioration.

 

Portfolio Management and Reporting

  • Deploy effective monitoring mechanisms and build a comprehensive MIS and reporting platform on portfolio performance and capture and monitor the portfolio lead indicators and use them to bring appropriate changes in the policy and procedures with an objective to contain the losses and maintain the portfolio health and profitability.

 

Operational Efficiency and Continuous Improvement

  • To ensure that the team meets all Service Level Agreement parameters including turnaround time, with an emphasis to reduce and improve rework rate and process related errors to prescribed threshold with no policy related errors to ensure delivery of optimum service standards for both internal and external customers
  • Identify opportunities to contribute to organizational and departmental change initiatives, programmes and projects taking into account best practice and standards in the business environment

 

Constant Feedback

  • Establish and maintain a constant feedback mechanism between credit, collections, business and policy units on material observations in through the door applications and market developments that may be instrumental in calibrating product propositions, processes and policies for better risk management

 

People Management

  • Manage self and team in line with ADCB’s people management policies, procedures, processes and practices to ensure adherence and to maximize own and employee contribution to business performance
  • Manage the effective achievement of the team’s objectives through setting individual objectives, managing performance, developing the team and providing formal and informal feedback to maximize overall performance, engagement and motivation

 

Budget Management

  • Contribute to the preparation of the business area’s budget and manage and monitor the financial performance against the budget so that areas of unsatisfactory performance are identified, rectified promptly and potential performance improvement opportunities are capitalized upon

 

Customer Service

  • Demonstrate Our Promise and apply the ADCB Service Standards to deliver the bank’s required levels of service in all internal and external customer interactions

 

Policies, Processes, Systems and Procedures

  • Recommend and implement improvements to departmental policies, procedures and processes covering all areas of activity so that all relevant procedural requirements are fulfilled while ensuring that ADCB delivers best-in-class services, products and innovation

 

Continuous Improvement

  • Identify opportunities to contribute to organizational and departmental change initiatives, programmes and projects taking into account best practice and standards in the business environment