Aurelia Butler

Employment:

Full Time

The Credit Manager will be directly responsible for conducting review and assessment of credit applications submitted by business RMs related to Emerging Corporate coverage segment. The complexities of applications vary, ranging from complex, standard to multi-entity.The Credit Manager will be expected to conduct thorough due diligence on all elements of transactional, financial, business and industry risks and provide their recommendation to management for appropriate decision.Primary responsibilities are as follows:• Receives credit proposals from Emerging Corporate Team and examines them to ensure completeness of supporting information/ documents and compliance with Bank’s requirements.• Undertakes detailed analysis to assess quality of proposals by strictly adhering to Principles of lending, Bank’s Procedures & Policies, UAE Central Bank Rules, Regulations wherever applicable• Conducts proper due diligence as to identification of gaps, if any in terms of disclosures / information in proposals• Addresses and clarifies issues or points raised at the review stage prior to preparation of the SWOT Analysis• Prepares credit proposals with SWOT Analysis covering all significant factors (Strengths & Risks) for review and recommendation by Team Leaders, ensuring accuracy and completeness.• Addresses further queries/ requirements if any required by the Team Leaders / Unit Head for decision making or initiation of the decision process.• Communicates the Management decision on credit proposals to Business Analysts, RMs, Branch Managers, Segment Heads, Other Units & Unit Heads• Maintains proper records for receipt, processing & disposal of credit proposals/ JETS for monitoring reports, internal/ external requirements• Provides clarifications to Credit Control Unit for the preparation of post approval borrowing documentation.• Assists in Special Projects/ Assignments that are entrusted by the Team Leader/ Unit Head/ Management

Requirements:• Masters or Bachelor’s Degree in a Commerce/Finance discipline.• 4/5 years of related experience in banking and finance with at least 2 years of experience in corporate credit. Experience in Emerging Corporates / Mid-Corporates credit is preferred. • Written and spoken English – Arabic preferable.• Good Analytical/ Report writing skills• Computer literate with strong working knowledge of business software applications, particularly spreadsheets• Analytical Thinking & Problem Solving• Concern for order and attention to details• Concern for quality – 90% Acceptance level of decisions• Well organised work – Team Player• High Level of commitment in every aspect of work & CBD values

In 1969, when we at Commercial Bank of Dubai started out little did we know that sheer grit and determination would get us where we are today. An Emiri Decree issued by His Highness the Late Sheikh Rashid Bin Saeed Al Maktoum, the founder of modern Dubai, laid the cornerstone of Commercial Bank of Dubai. We started out as a joint venture of Commerzbank, Chase Manhattan Bank and Commercial Bank of Kuwait. A minority stake was held by a few UAE businessmen.

By 1982, little more than a decade later, we evolved into a National Public Shareholding company. A feat complimented by an exponential increase in the capital base and mammoth restructuring of our operations. The feather in the cap came when the Government of Dubai became a key shareholder.

Over the decades, we have transformed ourselves into a progressive and modern banking institution. We are supported by a sturdy financial base and reigned by a strong and stable management. The proof of which lies with our customers who have stood by us over the years. More

Employment:

Full Time

Senior Consultant / Assistant Manager, Financial Accounting Advisory Services, RiyadhIn Financial Accounting Advisory Services (FAAS) within Assurance, we assist our clients to address the accounting and financial reporting challenges facing their business. You will be part of a team that provides insight and services that accelerate analytics, decision-making and innovation to build a stronger and more efficient finance function. You will experience ongoing professional development through diverse experiences, world-class learning and individually tailored coaching. That is how we develop outstanding leaders who team to deliver on our promises to all of our stakeholders, and in so doing, play a critical role in building a better working world for our people, for our clients and for our communities. Sound interesting? Well this is just the beginning. Because whenever you join, however long you stay, the exceptional EY experience lasts a lifetime. The opportunity Our Financial Accounting Advisory Services (FAAS) support organizations through a diverse range of services that include accounting and reporting, finance function transformation, transaction accounting, treasury, corporate governance, fixed assets, performance improvement and other services that help organizations navigate evolving business needs, demands for greater transparency and changing regulatory requirements. We’re looking for ambitious people to help drive and support this change while learning about the intricacies of dealing with diverse clients in a challenging yet rewarding environment. Your key responsibilities In this role you’ll work directly with a wide range of clients across several industries to assess the impact of new accounting standards, proposed transactions or other regulatory changes. Specifically you’ll build and maintain strong networks internally and externally in order to grow the pipeline of FAAS work, report directly to Managers, Senior Managers, Directors and Partners at the planning, execution and wrap-up stages of FAAS engagements, coach and mentor junior team members and conduct performance review by contributing to performance feedback for staff and e nsure work is of a high quality, delivered in a timely fashion and in compliance with EY policies. Working with other EY locations, service lines and specialists to deliver a fully integrated service offering is integral, as is monitoring engagement economics against key financial metrics and managing the appropriate internal and external stakeholders. – You’ll be expected to identify and communicate relevant trends, developments and key performance drivers relevant to the client, consult with appropriate resources on complex accounting issues, ensure that the FAAS work products meet the needs and expectations of clients are clear, accurate and well presented, ensure work is delivered timely and in compliance with regulatory requirements and deliver effective execution of the FAAS service delivery framework.

Skills and attributes for success – Proactivity, accountability and results- driven people will flourish in this environment. – Dealing with competing priorities, understanding how to manage resources and communicating effectively are key skills. – This will have a huge impact on those around you and help promote a positive work ethic. To qualify for the role, you must have – A bachelor’s degree in accounting and / or finance – Minimum three years of experience working as an auditor/ financial consultant or technical accounting resource for a public sector entity – SOCPA/ CPA / ACCA certification – Knowledge of accounting and auditing processes and techniques – Proven experience with IFRS and/ or IPSAS – Flexibility and willingness to travel on short notice, as necessary – Keen to develop technical and other attributes of assigned team members Ideally, you’ll also have – Masters or MBA qualification – Track record with a leading Consulting firm – Proficiency in the Arabic language What we look for We are interested in entrepreneurs who have the confidence to develop and promote a brand new strategic vision both internally and externally. You will be business savvy with a passion for innovation as well as the motivation to create your own EY journey. What we offer We offer a competitive compensation package where you’ll be rewarded based on performance and recognized for the value you bring to our business. Plus, we offer: – Continuous learning: You’ll develop the mindset and skills to navigate whatever comes next. – Success as defined by you: We’ll provide the tools and flexibility, so you can make a meaningful impact, your way. – Transformative leadership: We’ll give you the insights, coaching and confidence to be the leader the world needs. – Diverse and inclusive culture: You’ll be embraced for who you are and empowered to use your voice to help others find theirs. If you can demonstrate that you meet the criteria above, please contact us as soon as possible. The exceptional EY experience. It’s yours to build. EY | Building a better working world EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets. Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate. Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.

EY is a global leader in assurance, tax, transaction and advisory services. The insights and quality services we deliver help build trust and confidence in the capital markets and in economies the world over. We develop outstanding leaders who team to deliver on our promises to all of our stakeholders. In so doing, we play a critical role in building a better working world for our people, for our clients and for our communities.

EY refers to the global organization, and may refer to one or more, of the member firms of Ernst & Young Global Limited, each of which is a separate legal entity. Ernst & Young Global Limited, a UK company limited by guarantee, does not provide services to clients. Information about how EY collects and uses personal data and a description of the rights individuals have under data protection legislation are available on our site.

The MENA practice of EY has been operating in the region since 1923. For over 95 years, we have grown to over 7,500 people united across 21 offices and 16 countries, sharing the same values and an unwavering commitment to quality. As an organization, we continue to develop outstanding leaders who deliver exceptional services to our clients and who contribute to our communities. We are proud of our accomplishments over the years, reaffirming our position as the largest and most established professional services organization in the region More

Employment:

Full Time

This senior position within our Emerging Corporates business unit focuses on targeting larger corporate clients with turnover of up to AED 300 million.This role is to manage and maintain the Credit appraisal process for Emerging Corporates Business as well as provide supplementary support for credit appraisal for other business segments as delegated.Primary responsibilities are as follows: Credit Appraisals• Review credit proposals to ensure completeness of supporting information / documents and compliance with Bank’s requirements.• Occasionally visiting clients to understand client’s business model and requirements, and accordingly recommending financing solutions• Conduct proper due diligence as to identification of gaps, if any in terms of disclosures/ information in proposals• Ensure that Credit proposals are complete and accurate and the credit Analysis covers all significant factors (Strengths & Risks) for proper decision making• Approval of ad-hoc credit requests within an agreed credit risk delegation framework• Presenting credit proposals to senior sanctioners and credit committee Portfolio Management• Manage portfolio of c.800 mid-sized and emerging corporate entities with approximate book size of approx. AED5bn• Responsible for maintaining the asset quality of the designated portfolio through interim reviews, annual reviews and on-going monitoring and control, and escalation of issues as may be necessary• Serve as the second line of defence and escalate any breaches of policies and procedures, credit risk excesses and past-dues and related matters to coverage and other stakeholdersStakeholder Management• Secondary point of contact for the assigned portfolio and liaise with relationship and sales teams, product experts and portfolio management, and support functions including legal, compliance and operations• Subject matter expert for fundamental credit risk queries and provides support for any requests from regulators, auditors and other professionals• Where required, join coverage units for conference calls and meetings with client representatives – treasurer, finance director and CFO• Communicate with senior management to address any credit queries raise by Committee members• Managing direct reports – training and career development• Attend credit committees and senior management meetings where requiredOther Management Responsibilities• Management and oversight over Triple C process (internal early risk identification process) and present such customers to senior management.• Active participation in process review – for both post and pre-disbursement and suggest improvements• Ensure that subordinates maintain proper records for receipt, processing & disposal of credit proposals/ JETS for monitoring reports, internal/ external requirements• Organising and conducting trainings for credit analysts and business support staff

Requirements• Preferred – Masters of Business Administration (MBA) from reputed Business School• Preferred – CFA Charter Holder, FRM Certification (from GARP)• Strong working knowledge of Financial Modeling, of business software applications, particularly spreadsheets.• 12 year’s Banking/ finance experience with min of 5 years in the Credit function• Good understanding of banking operations, Bank’s policies, procedures, guidelines, statutory requirements, market conditions.• Good understanding of regional markets• Expert in credit appraisals, due diligence, financial modeling• Documentation expertise, good understanding of LMA, ISDA etc.• High level of interpersonal and negotiation skills.• Excellent report writing skills

In 1969, when we at Commercial Bank of Dubai started out little did we know that sheer grit and determination would get us where we are today. An Emiri Decree issued by His Highness the Late Sheikh Rashid Bin Saeed Al Maktoum, the founder of modern Dubai, laid the cornerstone of Commercial Bank of Dubai. We started out as a joint venture of Commerzbank, Chase Manhattan Bank and Commercial Bank of Kuwait. A minority stake was held by a few UAE businessmen.

By 1982, little more than a decade later, we evolved into a National Public Shareholding company. A feat complimented by an exponential increase in the capital base and mammoth restructuring of our operations. The feather in the cap came when the Government of Dubai became a key shareholder.

Over the decades, we have transformed ourselves into a progressive and modern banking institution. We are supported by a sturdy financial base and reigned by a strong and stable management. The proof of which lies with our customers who have stood by us over the years. More

Employment:

Full Time

Job Purpose:Maintain good relationships with Corporate clients, and assist RMs in keeping successful, optimal business with themPrincipal Accountability:• Process renewals and new credit proposals. Process excess and isolated requests for existing customers in timely and professional manner, with minimal involvement from the RM• Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle.• Proficient dealing with customer queries to provide appropriate solutions to enhance the customer satisfaction levels.• Analyse and evaluate information given by the customer such as project reports, feasibility reports, balance sheets, cash flows etc. to structure the credit lines, balancing the risk and reward. • Establish good liaison with customers for their day to day banking requirements and professionally manage security documentation requirements. • Establish effective and professional communication both internal and external to ensure turnaround time within designated parameters and higher client satisfaction levels• Conduct customer visits, whenever required for business requirements. • Monitor development and progress of Corporate deals and ensure quick action in case of any adverse development. • Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank. • Monitor the Early Warning Signs of deterioration of accounts and ensure to keep high quality of assets.

Service and Quality:• Professional quality of credit proposals and internal / external communication, in line with the defined policies and procedures.• Strong autonomy and ability to work independently of RM.• Process excess and isolated requests for existing customers within defined TAT.• Proficient dealing with customer queries to provide appropriate solutions to enhance the customer satisfaction levels.Requirements:Education and Experience: • Degree in Economics or Finance or Business Management• 2-3 years of experience of Corporate Banking in a capacity of credit analyst / Relationship Officer with exposure to Corporate Banking in UAE.

In 1969, when we at Commercial Bank of Dubai started out little did we know that sheer grit and determination would get us where we are today. An Emiri Decree issued by His Highness the Late Sheikh Rashid Bin Saeed Al Maktoum, the founder of modern Dubai, laid the cornerstone of Commercial Bank of Dubai. We started out as a joint venture of Commerzbank, Chase Manhattan Bank and Commercial Bank of Kuwait. A minority stake was held by a few UAE businessmen.

By 1982, little more than a decade later, we evolved into a National Public Shareholding company. A feat complimented by an exponential increase in the capital base and mammoth restructuring of our operations. The feather in the cap came when the Government of Dubai became a key shareholder.

Over the decades, we have transformed ourselves into a progressive and modern banking institution. We are supported by a sturdy financial base and reigned by a strong and stable management. The proof of which lies with our customers who have stood by us over the years. More