Job Purpose Summary:

The incumbent will manage the Syndication Loans Unit in such a manner as to protect the Group from undue credit risks; will supervise the team of processing officers within the approved parameters of the credit process; will also provide investigative, analytical, operational and administrative support.

Essential Duties & Responsibilities by Dimensions:

A. Shareholder & Financial:

• Responsible for development of operating budgets for the Syndication Loans Unit.
• Implements KPI's and best practices for Senior Vice President Syndication Loans role.
• Ensure that the information concerning loans processed that is disclosed to stakeholders is complete and accurate.
• Create Key Performance Indicators (KPIs) for performance monitoring and quality measurement purposes for the Syndication Loans Unit and monitor their achievement on periodic basis.
• Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor exercise of the same.
• Demonstrate clear understanding of the important factors behind the bank's financial & non-financial performance.

B. Customer (Internal & External):

• Provide feedback to Relationship Managers and, as appropriate, recommend course of action.
• Negotiate and finalize Service Level Agreements (SLAs) with internal departments/ units to achieve improvements in turn around time, which will also help increase external customer satisfaction.
• Build and maintain strong and effective relationship with all other related departments and units to achieve the Group's goals/ objectives.
• Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.
• Liaise with Group Compliance on QCB related compliance issue, and with the Risk Group as and when required.

C. Internal (Processes, Products, Regulatory):

• Ensure segregation of duties with respect to all activities performed by staff in the Loan Operations Department.
• Respond to all management requests/ reports. Review and follow up on management reports in a timely manner.
• Ensure adherence to the Group's policies and procedures by all reporting staff.
• Critically review and comment (if any) on all credit proposals revisions and related paper work.
• Ensure processed documents pertaining to loans are safely kept in fireproof cabinets.
• Constantly work on improving current processes by Corporate and Retail loan processing policies and procedures.
• Achieve a balance between risk vs. reward by enforcing high credit analyses and administration standards, including but not limited to updated policies/ procedures and compliance with the same.
• Authorize with the respective Relationship Manager for completion/ return by borrowing clients to evidence the contractual arrangement which thereby exists between the Group and the borrowing clients.
• Ensure accurate and timely preparation of management information system (MIS) and other reports related to the credit process and portfolio.
• Ensure regular updating in the system of various credit-related data in the Group's system (e.g. interest rate conditions, insurance policies and customer data) to aid decision-making.
• Review exceptional transaction waiver of loan terms, refund amounts and ensure that the required specific approvals are in place.
• Ensure the existence of a second level of control over loan documentation that must be safeguarded under dual control.
• Ensure that all collateral are restricted and controlled, shrinkage in collateral value are properly identified and evaluated.
• Ensure periodic inspection of collateral is independently carried out.
• Ensure proper follow-up for syndicated loans managed by the Group or by third party to ensure loan-booking compliance with loan terms, loan repayment/ interest are recorded in proper period and the Group's financial records reflect the total value of loans outstanding together with their related accrued interest receivable.
• Hold meetings with direct reports and assess their performance as well as the Department's overall performance on a regular basis.
• Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members.
• Ensure provision of quality service to customers.
• Support International Branches and Subsidiaries
• Continuous improvement
• Set examples by leading improvement initiatives through cross-functional teams ensuring successes.
• Identify and encourage people to adopt practices better than the industry standard.
• Continuously encourage and recognise the importance of thinking out-of-the-box within the team.
• Encourage, solicit and reward innovative ideas even in day-to-day issues.

D. Learning & Knowledge:

• Manage, motivate and coach staff, including nominating staff for internal and external training programs to maximize department staff contribution.
• Hold meetings with staff and assess their performance and your teams overall performance on a regular basis.
• Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members.
• Identify development opportunities and activities for staff and facilitate/coach them to improve their effectives and prepare them to assume greater responsibilities.

Education/Experience Requirements:

• 
  Bachelor's / Master's Degree (Masters preferred) preferably with a Major in:

Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study),

• At least 15 years of relevant experience, preferably within a highly rated international bank.

Required Special Skills:

• 
  Strong organizational skills.
• Excellent communication skills in English and Arabic.
• Analytical skills.
• Computer proficient (MS Office and bank applications)
• Present a professional image and have sound judgment and patience.
• Specialist knowledge of credit risk management and credit analysis.
• Outstanding presentation skills.
• Well-developed strategic perspective and forward planning ability.
• Analytical and problem solving skills coupled with decision making ability.
• Understands the relevant laws, regulations and practices pertaining to credit administration.
• Good leadership and team building qualities.

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