Job Purpose

To originate, structure, and manage SME lending relationships in line with the Bank’s SME program framework, focusing on secured SME lending products, while ensuring adherence to credit policy, RAC norms, and portfolio quality standards.

Key Responsibilities

Business Development

• Identify and acquire new SME clients within defined target segments.
• Develop a pipeline of secured SME lending opportunities, including:
• Equipment finance
• Vehicle finance
• Mortgage-backed lending
• Working Capital

Achieve assigned portfolio growth, revenue and cross-sell targets

Credit Origination

1. Conduct preliminary financial analysis of SME clients including:
• DSCR analysis
• Leverage and liquidity assessment
• Cash flow review
2. Prepare credit proposals (CRP) in line with bank format and RAC requirements.
3. Ensure proposals meet scorecard thresholds and SME program criteria

Relationship Management

• Manage and grow an assigned portfolio of SME clients.
• Maintain regular engagement with clients to identify financing needs.
• Ensure clients maintain banking relationship through transaction routing.

Risk & Compliance

• Ensure compliance with banks lending norms, RAC criteria and credit policy.
• Monitor early warning signals and portfolio performance.
• Ensure proper documentation and adherence to credit approval conditions

Portfolio Monitoring

• Monitor utilization of credit facilities.
• Review client financial performance periodically.
• Ensure timely submission of financials and covenant compliance

Key Products to be Handled

• Equipment & Machinery Finance
• Vehicle Fleet Finance
• Mortgage backed SME loans
• Working Capital

Qualifications

• Bachelor’s degree in Finance / Business / Accounting
• Professional certifications (CA / CFA / MBA) preferred

Experience

• 3-5 years UAE banking experience
• Minimum 3 years in SME or commercial banking
• Experience in business origination, credit analysis and SME underwriting

Performance Metrics

• New client acquisition
• Loan portfolio growth
• Portfolio asset quality
• Fee income generation
• Cross-sell ratio