·       Minimum 7-10 years in Credit Processing / Credit Appraisal / Credit Approvals / Project Finance department of a Medium sized Bank

·       Handled financing under Syndication and handled exposure to Financial Institutions , Risk Participation with other banks , Club deals.

·       In depth knowledge in analyzing financial statements to ensure feasibility and financial viability of the credit request.

·       Sound experience in assessing various limits to corporate customer especially working capital limits, trade finance limits, FI limits and Bank limits.

·       Analyzing all the risks associated with a credit request and proposing appropriate mitigants.

·       Handled due diligence of credit proposals ensuring adherence to processes involved in credit with awareness on the general market trends and updates on various industries.

·       Credit Appraisal of proposals within defined guidelines, preparation of credit appraisal notes, financial and risk analysis to assess creditworthiness in evaluation and accordingly take decision or recommend for approval to higher authorities.

·       Handled core banking applications from Credit perspective

·       Handled External Audit and Regulatory Audits

·       Worked closely with credit risk team for policy preparations, credit Admin team for loading of limits, credit monitoring, delinquent account monitoring, renewal of limits etc
·       Well versed with MS word, MS EXCEL, MS Power Point presentations and related applications.

·       Knowledge of Power BI and other data analytic/ presentation tools.
·       Previously worked in Multinational Banks  / Large / Medium sized banks in UAE

·       Previously worked in large size Banks in other countries.
·       Must have managed or supported a team of business units and worked closely with sales, operations, legal, and other teams to facilitate credit.

·       Must have conducted training sessions for business teams on credit appraisal techniques
·       Handled large Credit proposals, projects evaluation, credit workflow evaluation etc will be advantage