Team Leader – SME Credit

    Dubai Islamic Bank


    • Minimum Bachelor’s degree
    • Minimum 3 to 4 years’ experience as a Team Leader in Banking in SME Credit, Business Banking Credit, or Home Finance Credit.
    • Hands-on experience with the following:

    ·        Credit Policy and Parameters

    ·        Credit Risk Evaluation

    ·        Documentation

    ·        Fraud Awareness and Detection

    ·        Pre-Screening and CPV Procedures

    Job Description:

    • To assist Credit Manager in making accurate credit decisions on all cases referred to the department
    • To ensure an appropriate customer base, minimizing risks to the bank, ensuring proper use of delegation authorities and providing quality service.
    • To review credit proposals ensuring all information required is laid down, ensuring minimal error
    • To follow the laid down checklists and highlight errors if any
    • To review and ensure that the credit analysts are accurately interpreting financial statements of companies, analyzing bank statements, and all required information is captured and policies are complied with
    • To ensure timely delivery of credit decisions to customers of all cases received at the department and to ensure delivery of quality service to internal departments; branches, sales, credit admin, and operations
    • To provide guidance and act as on-line consultant to branches and direct sales force to structure/restructure the facilities and professionally communicate and follow-up to resolve pending or unresolved applications requiring clarifications and to incorporate corrective measures where possible
    • To adhere to all required procedures, processes, SOPs and SLAs of the department
    • To assist to identify anomalies/gaps in credit policy guidelines and operational processes
    • To discuss with the analysts the cases and their doubts/questions queries before auctioning them
    • To provide on the job guidance, coach, enhance required skills and ensure proper training is given to the team
    • To supervise the team and support Credit Manager in ensuring efficient utilization and team members are meeting the required KPIs.
    • Ensure compliance with the approved policies, procedures, SLAs and regulatory requirements to maintain quality standards and ensure risk mitigation.
    • Coach, train and develop team skills by identifying training needs and assign appropriate learning platform to the team.
    • Review team performance and deliverables in line with the approved KPI’s to ensure meeting desired objectives.
    • Ensure all assigned tasks and projects are executed within the approved policies, procedures and SLAs of the department.

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