Senior Underwriter-SME Jobs in Dubai at Deem Finance

Title: Senior Underwriter-SME

Company: Deem Finance

Location: Dubai

Senior Underwriter -SME

Overview: Incumbent of this position is responsible for ensuring business requirements for credit processing and disbursals are met on a daily basis for Secured and Unsecured lending under retail and corporate products. Ensuring portfolio metrics and turnaround times are achieved consistently. Ensuring review of sourcing quality and feedback


Check the Customer profile, financial details, credit history, personal

liabilities, and documentation details as per policy guidelines

Check the feedback received from CPV& FV

Analyze financial data related to loan requests.

Evaluate loan documents are to insure accuracy and completeness.

Perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other specific risk factors.

Record loan denials and specific basis for declining application.

Monitor and report noncompliance with loan covenants.

Maintain client relationships and provide superior customer service.

Assist with technical underwriting issues and questions.

Review loan documentation and vendor reports to identify signs of fraudulent activity.

Develop and implement underwriting policies and procedures.

Evaluate the application as per the above criteria against approved policies, separately for all segments

Display qualities such as dedication, efficiency and discipline and promote the spirit of the team

Make sure that all the checks are done before reaching a final decision on the application

Ensure system and logistical requirements are met for the Unit’s routine functioning

Ensure adherence to delegation matrix

All cases that do not meet policy criteria / Eligibility will be rejected accordingly however cases where deviation is require with proper justification will be escalated for Deviation approval as per delegation

Ensure that the applications are turned around within the acceptable turnaround time

Ensure negligible error and rework rate for all the applications processed

Ensure that no application is stuck in the queue without decision

Ensure that all SR raised have been worked on within the given TAT

Ensure that proper training is availed at regular intervals to keep updated on system, process and policy and market trends

Build teamwork / partnerships with internal and external customers

Work with all credit team members / internal customers to ensure a positive interaction

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