مطلوب موظفين في الإئتمان بالبنك التجاري الدولي دوام كامل

We are hiring,
Retail Credit, Senior officer
بنك الاتحاد الوطني

Retail credit, Senior Officer
Department: Retail credit, Credit Management Group
JOB PURPOSE

• Execute audit assignments in accordance with accepted professional standards
and report findings and make recommendations for corrections of unsatisfactory
conditions.
• Conduct and/ or assist in auditing the Retail Lending portfolio on an ongoing
basis, to ensure compliance with the product policies and procedures.
Duties and Responsibilities
• Assist in selecting the scope and sample size of credit decisions, lead and perform
underwriting and process reviews, identify and eliminate gaps and overlaps in all
control related activities, recommend improvements to control functions and
developing retail credit application procedures & guidelines and workflow.
• Review application after completing all steps to ensure that the application meets
Bank’s cash loans criteria and assigning the loan amount.
• Checking & review credit scoring system for each application & applying DBR
methods in determining the approve limits
• Carry out audits in compliance with the professional auditing standards to
determine the adequacy and effectiveness of the system of controls in the area of
Retail Lending.
• Analyze loan disbursals, confirm compliance with the product features and identify
policy and procedural exceptions.
• Prepare formal written audit reports, summarizing and expressing opinions on the
adequacy and effectiveness of the system of control and the efficiency with which
activities are undertaken, to formally communicate findings, results and
recommendations.

• Undertake follow- up to ensure rectification/ resolution of the issues noted in the
reports as well as the recovery of uncollected fees/charges.
• Verify compliance to the audit recommendations to ascertain that appropriate
action has been taken on reported audit findings and to appraise the adequacy of
corrective action taken to improve deficient conditions.
• Conduct special investigations as and when required.
• Develop actions to produce improvement and steps to be taken to achieve the set
objectives
EXPERIENCE REQUIRED OF JOB

• 5-7 years of banking Experience
Qualifications
• Bachelor’s degree in commerce/ business/ accounting or banking diploma with
experience in a similar role.
• Previous job retail banking experience, Full awareness of the Banks credit policy
manuals and CBE regulations

How to apply Please send your CV to attached e-mail

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