Director- Commercial Real Estate

Job Description

Core Responsibilities:

1. To manage the business of the assigned team through the designated Coverage team and their Performance.
2. The jobholder is partnering the Real Estate department in service delivery and is expected to work independently in many respects to grow revenue for the Bank while managing the risk in the portfolio.
3. The jobholder will need to develop his/her credit skills and develop a good understanding of acceptable risk/reward parameters for customers in the portfolio.
4. Empowered with certain authority in handling exceptions and resolving customer service issues.
5. Handle customer inquiries and service-related issues proactively to release resources for cross-selling other complex products.
6. The jobholder must have good customer and corporate product knowledge, effective problem-solving, and interpersonal skills to satisfy customers, meet performance targets, and work effectively with various parties to achieve results.
7. Maintain a level of zero expiry for all assigned tasks.
8. Achieve the annual target for performing loans assigned by Senior Management.
9. Cross-sell GFM, GTB products and all other relevant products to benefit the customer.
10. NPL to be maintained below 4%.
11. Credit Review/Renewal to be conducted timely.
12. Satisfactory Audit report.
13. Deliver superior customer service by acting as a client service manager to proactively help customers resolve problems.
14. Facilitate other processes as required.
15. Enhance credit analysis skills.
16. Ensure all internal processes for existing portfolio are met in line with the Bank’s policies & procedures.
17. Adhere to procedures and processes in documentation of call reports, KYC & all operational matters.
18. Turn around new to bank proposals as per agreed SLA.

Specific Accountabilities:

1. Sound knowledge of appraisals, financial modelling, and legal/regulatory environments.
2. Ability to communicate both verbally and in written presentations.
3. Ability to manage people and work under pressure.
4. Capable of organizing the workload and meeting deadlines.
5. Knowledge of interpretation and appraisal of financial statements/feasibility reports.
6. Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks.
7. Authorized to take decisions as per the approved authorization matrix.

Qualifications:

1. Finance / Business related Bachelor’s / Master’s degree; professional qualification in accounting will be an advantage.
2. English / Arabic language knowledge is preferable.

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