Summary
Date Posted: Friday, February 14, 2020 , Base Salary: Not Disclosed

JOB DETAILS:
Dubai Islamic Bank has the unique distinction of being the world’s first full Islamic bank, a pioneering institution that has combined the best of traditional Islamic values with the technology and innovation that characterise modern financial institution. Since its formation in 1975, Dubai Islamic Bank has established itself as the undisputed leader in its field, setting the standards for others to follow as the trend towards Islamic banking gathers momentum in the global arena. Islamic banking and finance is now one of the world’s fastest-growing economic sectors that comprise more than 400 institutions with assets under management in excess of US$ 1 trillion (US$1,000 billion). .

Key Responsibilities
Credit Analysis
• Preparing quality credit applications.
• Spreading of financial statements, credit grading and raising appropriate concerns.
• Financial analysis of SME/Business Banking customers using credit skills, ratio analysis; judgment of management and business strategy.
• Verifying that securities provided are up to standard and forwarded for approval in line with the credit policy
• Evaluation and understanding of risk associated with individual transactions, products and borrowers.
• Conducting joint meeting with Relationship Managers/Unit head to meet Business Banking clientele when required to achieve clear understanding of their business with key focus on risk analysis.
• Assist Relationship Manager to monitor credit quality by highlighting early warning signs of credit deterioration.
• Ensure compliance with Bank’s policies and to ensure that Bank’s policy breaches are properly authorized at the correct senior approving level.
• Preparation of industry analysis reports.
• Annual Review and custodian of credit files
Enhancing Customer Relationship:
• Back-up to RM and assist in query resolution within anticipated turnaround time with further escalation to RM where need arises.
• Together with the RM, offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters.

Training / Skills
• Strong analytical and interpersonal skills
• In depth knowledge of SME banking products and DIB strategy & policies.
Competencies
• Effective leadership, decision-making and team building skills
• Ability to work in a cross-cultural environment
• Team Player
• Strong analytical and interpersonal skills
• Strong knowledge of local SME & BUSINESS banking market and vision about future direction
and market sensitivities
• Ability to meet strict deadlines

Education
• Bachelor’s Degree
• Holders of Associate of the Kenya Institute of Bankers (AKIB) are encouraged to apply.
• 3-4 years of SME Banking experience of which at least 2 years of credit analysis exposure is a must.

Job Education Requirements: Not Specified

Job Experience Requirements: Not Specified

Work Hours: 8

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