Manager – Corporate & SME SAM

Job Description

• Manage the team of Corporate SAM Relationship Managers (SAM RMs) for recoveries from the assigned portfolios of regular / overdue exposures with the objective of preventing / minimizing Bank’s losses and optimizing the overall processes under Corporate SAM. 
• Comprehensive review restructuring / deferment / settlement plans submitted by the reporting Corporate SAM RMs with full details of the case along with the best available remedial solution for approving authorities.
• Following up with the RMs to obtain / complete all post disbursement documents and issues, outstanding exceptions and regularizing past dues / overdue.
• Regularly review the portfolios of assigned accounts with the RMs by way of one-to-one and team meetings to enable preparation and submission of Classified Credit Reviews (CCRs), proposals, planning and execution of action plans with the aim of regularizing the accounts and enhancement of portfolio quality.
• Review Risk Rating (RR) downgrade / upgrade proposals for accounts and double-check provision adequacy in line with Central Bank regulations.
• Periodically review Corporate accounts with the RMs to monitor and reduce document exceptions.
• Semi-annually review the overall performance of each of the reporting RMs against assigned targets and report the same on HRMS.
• Regularly interact with customers to understand his latest situation/issues and obtain latest business, financial and other necessary information related to business / personal net worth.
• Refer any Shari’a, Legal, CAD or other matters to appropriate departments (obtain Shari’a and legal approval as and when required).
• Ensure strict compliance with DIB policies and procedures, CB UAE regulations and Sharia Principals.
• Maintain and improve quality of portfolio and ensure positive ratings from external and internal auditors.

Competencies/Skills

Education

• Minimum Bachelor’s degree in Business Administration with background in Accounting, Finance or Economics
• Major in Banking & Finance will be a plus.

Work Experience

• Minimum of 6-8 years’ banking experience preferably in Corporate Special Accounts, Corporate Credit Risk Management or Corporate Banking