Head – Business Support (Business Banking) recruitment
Working for a prestigious, award winning UAE bank, based in Abu Dhabi, your responsibilities are as follows:
-Operating Budget:
The job holder will be responsible for coordinating the operational expenditure of his assigned department.
-Financial Targets:
Will not assume any personal financial targets, but will share the overall responsibility of financial targets assigned to the associated Client Relations team(s) by linking an agreed % of his performance appraisal to it.
-Quantifiable.
• Business/credit risk management process governance.
• Continuous adherence to the pricing thresholds.
• Quality of Credit Applications processed.
• Response turnaround times of customer requests, received from Units.
• Portfolio grading rating is in line with acceptable standards, and up-to-date at all times.
• Proper alignment of customers’ financial needs with the structure pricing of the proposed limits
• QC Management process with regard to portfolio Quality agenda (i.e., expiries, exceptions, Risk Management policies and procedures).
-Non-Quantifiable.
• High standards of customer service.
• Customer satisfaction.
• Attitudes and personal behavior
• Exercising leadership, constant team building driving staff motivation
• Compliance with bank related policies and procedures
- Key Results.
- Protection of banks assets and improving the asset quality of the portfolio.
- Improved Risk – return tradeoff.
- Enhancement of work flow and development of staff
• Effective process governance and risk management.
Financial/process Responsibilities
-Credit/QC Management
• Oversee the portfolio-risk analysis and various assessments; and sets alternative risk management options and credit risk issue resolutions.
• Oversee QC management in managing the portfolio quality agenda (i.e. expiries, exceptions, Risk Management policies and procedures, early warning signals etc).
• Establish and maintain a close working relationship with Credit Division/Credit Administration to coordinate smooth implementation of Credit-Risk Management standards.
Compliance
• Adhere and comply with the bank's internal applicable policies and procedures as well as governing regulations issued by concerned authorities.
• Cooperate and facilitate work of internal audit issues within Support Division functions to address gaps, and respond to audit reports within agreed deadlines
-Administration
• Manage and coordinate all HR and admin aspects of own Dept.
Capabilities Development Responsibilities
Team Development
• Coach and develop UAE nationals
• Keeping Division staff morale and motivation at high levels at all times.
• Mentor and coach peers and subordinates as needed.
• Provide direction, extend support, and share knowledge with the Division staff.
Requirements
Bachelors Degree in a relevant subject (business, accounting finance)
Masters degree in relevant subjects, CFA, or Diploma in Banking preferred
• Minimum 15 years experience of business banking of which 10 years in a credit-risk related position covering:
oFinancial statement analysis / forecasting
oRisk assessment / management
oCredit facilities structuring and pricing.
• Should have managed similar number of subordinates in related work environment.
Specialist Skills/Training required for the Job
- Demonstrate sound leadership skills.
- Understanding of risk tools and skills including statistical modelling, credit scoring and behaviour scoring
- Sound analytical, negotiation, decision-making and problem-solving skills.
- Ability to understand complex customer requirements.
- Sound risk awareness
- In-depth Knowledge of all related areas of banking, including policies, procedures and legislation.
- Proven knowledge of the local market.
- Excellent research/investigative skills.
- Understands legal structures consistent with different type of businesses.
- Effective communicator in any medium, internally and externally
- Hands on resource deployment techniques.
- Determined and self-motivated
- Team player – inspire and encourage excellent performance in others to achieve common goals
- Excellent interpersonal, presentation and influencing skills.
- Cultural sensitivity and adaptability.