Company: CBD
Location: Dubai
Employment Type: Full-time
Posted: 17 hours ago
Description:
Description
Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.
CBD has been recognized as the number one bank in the UAE on the Forbes list of The World’s Best Banks 2022.
As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people – your colleagues and our customers – and delivering service that really goes the extra mile.
Job Purpose:
You will be responsible for Corporate Portfolio management & maintenance alongside lending support to Relationship Manager/Senior Relationship Manager in all assigned task.
Principal Accountabilities:
Work Management
Process renewals and new credit proposals within acceptable standards with close coordination with RMs, in line with the defined policies & procedures and within the defined turnaround times. Process enhancement and isolated requests for existing customers in timely & professional manner.
Analyse and evaluate information given by the customer such as project reports, feasibility reports, balance sheets, cash flows etc. to structure the credit lines, balancing the risk and reward.
Open account after liaising with legal, compliance and COD
Financial spreading and analysis in order to determine the financial health and repayment capacity of the borrower
Liaising with documentation team to draft facility documents by providing all the constitutional document of the company and vetting the draft for onwards sharing with client.
Follow up with client to sign and comply with all the conditions mentioned in the offer letter.
After submission of facility document follow up with legal documentation team for clearance for limit extension of disbursement authorisation.
Liaising with limit input team and credit control to lodge the limit/disburse the fund.
Resolve if there are exceptions for the client
Share portfolio updates by way of updating various reports such as early warning indicator, excesses, past-dues, delinquent accounts, expired facilities, expired insurances, expired mortgages, expired valuations, account with no activities, overdue deferrals, overdue covenant, rental assignment, facilities utilization and others.
Client Management
Move customers to digitization.
Visiting customers for housekeeping, financial information and analysis and any other task assigned by the RM/SRM.
Proficient dealing with customer queries to provide appropriate solutions to enhance the customer satisfaction levels.
Monitor development and progress of corporate deals and ensure quick action in case of any adverse development. Be on a look out to identify any unusual behaviour in the account and address the same proactively.
Establish good liaison with customers for their day to day banking requirements and professionally manage security documentation requirements and affecting regular communication with customers about account status i.e. expiry of facilities and other matters
Requirements
Education and Experience:
Degree in Economics or Finance or Business Management
4 – 6 years of experience in Corporate banking with 2-3 years of exposure to Corporate Banking support role.
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