• Lead and manage the execution of individual audits in line with the department approved methodology, IIA standards &guidelines.• Manage individual audit planning and prepare key audit planning deliverables including Audit programs, Audit planning memorandum, test sheets to en-sure audit coverage evaluation of the controls, risk management and governance activities.• Evaluates appropriateness of credit policies, review credit processes, evaluate appropriateness and effectiveness ofcredit risk analytics, participate in evaluation of credit aspects of capital planning processes, review credit related model processes.• Evaluates the Portfolio Quality(PQ) and associated Credit risk Management Process(CRMP) in terms of the standards established in the credit policy. Assessment of CRMP includes review of the adequacy and effectiveness of Portfolio planning, Organization& Staffing, Risk Recognition, Credit ap-plications Credit approval, Account management, Loan Documentation, On-going Loan Admin&MIS.• Identifies Credits having potential Weakness so that timely actions can be taken,• Assesses the adequacy of the provision of impaired advances.• Covering the audit of the whole corporate credit area ( from End to End), including the corporate banking, CRM, CAD, remedial and credit monitoring ,collection and recovery, trade finance depts. Also the audits for treasury front office, legal depts., as well.• Audit of the Regulatory reporting( BRFs,CAR, Stress testing, etc.) by the central bank of UAE.• Audit of the Pillar 3 market disclosures requirements.• Conduct exit meeting with the Dept./unit under audit.• Audit Report drafting and making recommendations to improve the control environment,• Following up on audit recommendations and supporting the business lines to implement the findings appropriately.• Monitor the action.• Review the accuracy of the IFRS9 Model implementation in the bank.• Conducting audit investigations for various tasks.

• Understands risks of the business and determines control objectives, ensuring audit programs are executed appropriately to test those objectives. • Develops audit programs that clearly and accurately indicate method to achieve all desired objectives.• Evaluates appropriateness of credit policies, review credit processes, evaluate compliance with credit policies, evaluate appropriateness and effectiveness of credit risk analytics, participate in evaluation of credit aspects of capital planning.• Evaluates the Portfolio Quality(PQ) and associated Credit risk Management Process(CRMP) in terms of the standards established in the credit policy. Assessment of CRMP includes review of the adequacy and effectiveness of Portfolio planning, Organization& Staffing, Risk Recognition, Credit applications, Credit approval, Account management, Loan Documentation, On-going Loan Admin&MIS.• Identifies Credits having potential Weakness so that timely actions can be taken,• Assesses the adequacy of the provision of impaired advances.• Keeps an –ongoing interaction with the unit management to clarify the credit issues and obtain their buy-in.• Conduct exit meeting with the unit to discuss all the issues and remove factual inaccuracies. • Audit Report drafting and making recommendations to improve the control environment, Following up on audit recommendations and supporting the business lines to implement findings appropriately, Advising business management on enhancements and efficiencies to their operating and control environment. • Monitor the action plan with the unit till final resolution.• Keeps informed about improvements and current developments in bank environment, and in Credit review &risk management standards, procedures, and techniques. Assists new team members to assimilate with the environment of the Dept.• Participates in the review of Credit policy, the related procedures and provide practical suggestions for revision.

• Understands risks of the business and determines control objectives, ensuring audit programs are executed appropriately to test those objectives. • Develops audit programs that clearly and accurately indicate method to achieve all desired objectives.• Evaluates appropriateness of credit policies, review credit processes, evaluate compliance with credit policies, evaluate appropriateness and effectiveness of credit risk analytics, participate in evaluation of credit aspects of capital planning.• Evaluates the Portfolio Quality(PQ) and associated Credit risk Management Process(CRMP) in terms of the standards established in the credit policy. Assessment of CRMP includes review of the adequacy and effectiveness of Portfolio planning, Organization& Staffing, Risk Recognition, Credit applications, Credit approval, Account management, Loan Documentation, On-going Loan Admin&MIS.• Identifies Credits having potential Weakness so that timely actions can be taken,• Assesses the adequacy of the provision of impaired advances.• Keeps an –ongoing interaction with the unit management to clarify the credit issues and obtain their buy-in.• Conduct exit meeting with the unit to discuss all the issues and remove factual inaccuracies. • Audit Report drafting and making recommendations to improve the control environment, Following up on audit recommendations and supporting the business lines to implement findings appropriately, Advising business management on enhancements and efficiencies to their operating and control environment. • Monitor the action plan with the unit till final resolution.• Keeps informed about improvements and current developments in bank environment, and in Credit review &risk management standards, procedures, and techniques. Assists new team members to assimilate with the environment of the Dept.• Participates in the review of Credit policy, the related procedures and provide practical suggestions for revision.

Perform risk assessments, audit plan development and programs, and testing and evaluation of records. Plan and conduct internal audits and writing reports. Provide recommendations for improved controls and enhanced business efficiency. Coach, supervise and conduct performance review and contribute to performance feedback for staff.

• Understanding client business and the accounting process.• Perform preliminary analytical procedures & consider preliminary engagement materiality• Support the planning, execution and delivery of assurance engagements.• Coach, supervise and conduct performance review and contribute to performance feedback for staff• Assess Engagement risk & obtain understanding of Internal Control environment.•Conducting audit tests which are sufficient in scope to support professional opinions as to the true and fair representation of client financial statements.•Performing analytical reviews of audit documents and preparing the work paper documentation supporting the firm's audit opinion.•Assist in preparing reports and schedules that will be delivered to clients and other parties.•Participated as a senior or a team member of the auditing team for companies in different lines of business•Inspect client financial records, prepare detailed audit reports and resolve accounting research issues. •Ensuring deliverables meet work plan specifications and deadlines.•Regular communication with client finance teams.

• Understanding client business and the accounting process.• Perform preliminary analytical procedures & consider preliminary engagement materiality.• Preparing audit planning and strategies & discussing audit plan with the audit manager.• Assess Engagement risk & obtain understanding of Internal Control environment.•Conducting audit tests which are sufficient in scope to support professional opinions as to the true and fair representation of client financial statements.•Performing analytical reviews of audit documents and preparing the work paper documentation supporting the firm's audit opinion.•Assist in Preparing financial statements and relative financial analysis reports.•Participated as a senior of the auditing team for companies in different lines of business including Industrial, Trading, Real estate, construction companies and non - profit organization.•Inspect client financial records, prepare detailed audit reports and resolve accounting research issues. •Ensuring deliverables meet work plan specifications and deadlines.•Regular communication with client finance teams.

• Develop an understanding of the Deloitte audit approach, methodology & tools.• Establish working relationships with client personnel.• Perform analytical review of audit documents.• Review client accounting and operating procedures and systems of internal control.• Identify accounting and auditing issues, perform research to solve that arise .• Prepare financial statement reports and documentation supporting Deloitte's audit opinions.• Apply concepts of risk assessment.• Design and perform tests of internal controls.• Provide recommendations for improved controls and enhanced business efficiency.• Participated as a Experience Junior of the auditing team for companies in different lines of business including Industrial, Trading, Hotels, Banks, Investments , construction companies and non - profit organization .