Job responsibilities:- Control function to protect the fund’s interests and safeguard its assets.- Credit risk assessment reviews of different types of investments mainly; project finance, corporates, direct investments, fixed income products, bonds and infrastructure funds. - Preparing Risk and Credit assessment memos, liaising with credit rating agencies for scorecards and research analytics.- Evaluating companies based on their financial performance, credit quality, repayment history, business profile and industry.- Preparing annual monitoring portfolio risk reports. Ensuring compliance with risk appetite and concentration limits.- Conducting Risk and Control Self Assessments for the fund.- Monitoring Key risk indicators.- Recommending decisions based on credit evaluations, risk analysis and Investment credit risk policies.- Coordinating with the investment team for optimum results and quick turn around. - Preparing risk analysis for Investment Committee decisions.- Liaising with Finance team for Liquidity, Leverage, and IFRS 9 provisions.- Created Risk Acceptance Criteria and Risk triggers for different types of investments.- Conducting ESG due diligence, assessing and reporting status of Green Investments and Green impact contributions.- Liasing with internal and external auditors for requirements and clarifications.

Reporting to Senior Vice President, Head of Special Assets Management Managing a team of RMs for recoveries of exposures with the objective of minimising/preventing Bank's losses and optimizing the overall processes. Coordinating with clients to reach appropriate remedial/restructuring solutions based on financial positions and securities.Comprehensive Credit and Risk Review assessments of; business, restructuring and settlement proposals.Conducting extensive Due diligence on financial, business operandi and industry aspects.Ensuring sufficient controls and mitigates are in place to protect bank's interest and sustainable repayment.Reviewing and Escalating proposals and attending Credit and Collection Remedial Management Committees.Monitoring the Performance of accounts under the portfolio ensuring appropriate Risk Ratings and adequate provision levels.Weekly review of accounts' status of the portfolio with Chief Risk Officer for Top NPL and Non NPL.Periodic review and update on Early Alert accounts and taking immediate actions.Monitoring of Corporate Portfolio and setting action plans to ensure resolution and following up with RMs for the same.Reviewing updates of accounts in Moodys/Credit lens systemConducting business field visits and meeting Clients for negotiations and due diligence.Ensuring Compliance with Central Bank Regulations and Coordinating with internal and external Audit teams.Liasing with internal and external lawyers for cases in litigation and discussing strategies for maximizing successful outcomes and recoveries.Experience in different Corporate products; Trade working capital, Project finance, Murabaha, Mudarabah, Istisnaa, Ijarah Conducting Risk Control Self Assessment Reports and ensuring risks are identified and controls are put in place and are effective and being monitored.

Reporting to Vice President, Head of Secured Products and SME Managing the whole SME credit functions including a team of 10 members, reviewing credit proposals and financial statements, assessing credit risks and mitigations, ensuring authority delegations are adhered to, Analyzing market and economical changes in different industries considering the bank's portfolio trends, preparing skips and delinquency reviews. Providing constructive feedback on business submissions, policies and new programsEnsuring a robust and standard underwriting process complying with credit policies and procedures and processing of applications within the agreed TATs and SLAs, Liaising and meeting with business heads, sales managers and product for business support, feedback and counter offers,

Reporting to VP Head of Credit Initiation Secured Products and SMEManaging a credit team of 12. Assisting Head of the department in making accurate credit decisions on all SME cases received which include; local and foreign murabahas, Salam finance (business loans), letters of credit, letters of guarantee and Fleet Finance (Commercial Vehicles Financing) and Self employed (Home Finance)Reviewing credit proposals, providing training to the team, ensuring adherence to policies and authority delegations, preparing standard operating procedures, providing feedback on credit policies for both SME and Fleet Finance. Preparing detailed MIS packs and portfolio reviews and analysis, Monitoring KPIs and daily workflow to ensure adherence to SLAs and TATs

As a Credit Analyst Job responsibilities included; Assessing all SME cases; Local Murabahas, Letters of Guarantee, Letters of Credit from different industries such as; contracting, trading, retail, automobiles, FMCG, manufacturing, oil and gas, IT etc. Conducting field visits where required, Preparing CRO and Board Committee proposals, Reviewing audited reports associated with cases and performing financial analysis of Balance Sheets, Income Statements and Cash flow statement. Assessed cases with exposures ranging from AED 10 M to AED 50M Home Finance and Secured Share Finance particularly for companies and self employed customers, Handled real estate developer and project enlistment as well

Audit and Assurance Experience in organisations under different categories; consumer, industrial and manufacturing Performed audits in different industries such as; automobiles, hypermarket, consumer products, IT products, real estate, apparel and manufacturing.Working as part of audit team for both Interim and final audits for big and mid size Companies/ Groups Reviewing, examining and testing the operating effectiveness of internal controls relating to sales, purchases, bank reconciliations, receipts and payments, fixed assets etc and reporting observationsPerforming analytical reviews of balance sheet and profit and loss accounts in comparison to previous year and obtaining explanation from the client for unusual variancesAnalytical review of revenue; customer-wise; location-wise and month-wise; analysis of gross profit and total expenses compared with previous yearPerforming logical tests to support the evidences gathered during the audits, such as depreciation logic test, interest logic test, payroll logic testVerifying the accuracy of debtors’ and inventory ageing in order to identify long outstanding debts and inventory and ensuring that the provision provided is adequatePerforming substantive procedures, preparing work papers, and audit file as per the global standards of KPMGPreparing financial statements under the guidance of audit supervisors and ensuring that IFRS compliance and disclosures have been made