- Acquisition of customer for potential financing in line with the
business targets and risk appetite of the bank, including microfinance, SME and
corporate.
- Ensuring that the customer needs are fully understood and matching
solution/production is offered
- Ensuring the credit appraisal and collateral assessment is conducted in
line with the bank’s policies and procedures
- Ensuring that all relevant evidences are obtained as required for
appraisal of the customer
- Liaison with relevant external and internal departments to ensure that
all supporting activities are completed such as evaluation of collateral,
securing legal opinion and mortgages etc.
- Ensuring quality of credit to avoid delinquencies and issues in credit
portfolio
- Ensuring close liaison with the Branch Manager to ensure all
requirements are in place and duly discussed and vetted with the branch
manager.
- Ensure continuous relationship with the customer
- Ensure continuous monitoring of the customer business performance and
related market developments which can affect the customer business
- Ensure that all processing is compliant to the rulings or sharia
- cross selling of other bank’s services to the customer
- Post disbursement follow up with the customer
- Any other assignment as given by the line manager.
Requirements
Education:
· Proficient in writing proposals
· Sound knowledge of accounting and financial statements
· Efficient time management.
· Good knowledge of Microsoft Officer (Word, Excel, and Power
point)
· People management.
Skills Required
- Bachelor degree in Economics, Accounting, Finance, Business Administration, or Islamic Banking
- Master's degree
- Islamic banking knowledge or certificates
- At least 2 years' experience in credit, customer relations, recovery, collections, banks or financial institutions
- Proficient in writing proposals
- Sound knowledge of accounting and financial statements
- Financial analysis skills
- Efficient time management
- People management skills
- Proficiency with Microsoft Office (Word, Excel, PowerPoint)
What We Do
We're here to keep you updated on AIB Group news, financial services industry insights, expert business reports and all the latest AIB career opportunities. We are one of Ireland’s major retail banks serving personal, business and corporate customers. We offer a range of banking products and services such as mortgages, savings and business banking. We have a customer centric view, always putting the customer first and supporting our customers at every stage. We have over 2.3m million customers using our multifaceted service. We provide our customers with a diverse range of contact channels; through our branches, commercial centres and our direct channels, such as AIB internet and telephone banking, self-service banking and our award-winning mobile banking app. AIB has a presence in Northern Ireland through its community-based full service bank, AIB NI, and in Britain where AIB GB serves its target audience of SMEs, owner-managed businesses and professional firms. EBS is also now part of the AIB Group and offers mortgage and deposit products and services from its own branch network.
