Senior Banking Specialist
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Key skills for this role
About the Role
Manage the complete personal loan lifecycle, from customer assessment to final loan disbursement. Analyze loan applications and evaluate customers' financial profiles, repayment.
Key Skills for This Role
Responsibilities
- Manage the complete personal loan lifecycle from assessment to disbursement
- Analyze loan applications and evaluate financial profiles and credit risk
- Coordinate with credit, operations, underwriting, and compliance departments
- Ensure compliance with UAE banking regulations and company procedures
- Maintain accurate records and provide client guidance on loan products
Requirements
- Experience in personal loan lifecycle management
- Knowledge of credit analysis and DBR calculation
- Familiarity with UAE banking regulations
- Strong coordination and communication skills
Full Job Posting
Job Overview
- Manage the complete personal loan lifecycle, from customer assessment to final loan disbursement.
- Analyze loan applications and evaluate customers' financial profiles, repayment capacity, and eligibility in accordance with bank credit policies.
Key Responsibilities
- Calculate Debt Burden Ratio (DBR) and assess affordability and credit risk.
- Review, verify, and validate all customer documentation to ensure accuracy, completeness, and compliance with banking requirements.
- Identify missing documents, discrepancies, or potential risks before submission.
- Prepare and submit financing applications while maintaining high approval quality and minimizing rejections.
- Coordinate with credit, operations, underwriting, compliance, and approval departments to ensure efficient case progression.
- Monitor loan applications through every stage and proactively follow up until final approval and disbursement.
- Escalate delayed or exceptional cases through the appropriate banking channels to ensure timely resolution.
- Maintain strong professional relationships with banks, branch managers, relationship managers, credit analysts, operations teams, and key decision makers across multiple UAE banks.
- Provide clients with professional guidance on personal loan products, eligibility criteria, documentation requirements, and financing solutions.
- Ensure full compliance with UAE banking regulations, internal bank policies, and company procedures.
- Maintain accurate records of customer files, communications, approvals, and supporting documentation.
- Identify operational improvements to enhance efficiency, reduce processing time, and improve approval rates.
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