Assistant Manager - Credit Risk (UAE National)

Emirates NBD Bank; United Arab Emirates; On-site; AED 220,000 - 320,000; Full time

Job summary

Emirates NBD Bank seeks a seasoned Credit Risk professional to evaluate wholesale credit proposals, ensure compliance with internal policies and UAE regulations, and maintain high-quality corporate portfolios. You will coordinate with relationship teams and BUs to mitigate risk, document assessments, and support provisioning and monitoring across portfolios.

You will uphold IFRS9 governance, monitor exceptions, and contribute to ongoing risk controls, data integrity in risk systems, and timely

Qualifications

• Bachelor's or Master's degree in Finance, Banking, or related field.
• Relevant certification such as Credit Risk Certification (CRC) or equivalent preferred.
• Ongoing professional development in credit risk or banking regulations.

Responsibilities

• Review credit risk assessments and ensure alignment with internal policies and regulatory requirements.
• Validate documentation and data accuracy for credit proposals and records.
• Coordinate with relationship managers to mitigate information gaps and escalate issues as needed.
• Monitor portfolio quality, provisioning needs, and adherence to regulatory standards.

Skills

Credit risk analysis

Regulatory compliance

Stakeholder management

Data accuracy

Financial analysis

Education

Bachelor's degree in Finance/Banking

Master's degree (optional)

Tools

Credit risk software

CRC certification

Job description

In line with the UAE Government’s strategy in empowering and developing nationals, Emirates NBD is committed to welcoming the young generation into an innovative, modern and supportive work environment to contribute to the nation's success.

We are looking to find the best UAEN talent to join our ENBD family.

JobDescription

OrganizationUnitPurpose

• Appraisal,assessment&controlofcreditexposures
• Controlfunction,whichensuresgrouptakesonassetswhichmeetstheGroup’sstandardsonlendingintermsofrisk
• Settingupupofcreditlimitsforclientsanddelegatedapprovallimits
• SetupCreditpolicieswhichallowustoprocesscreditproposalsfromBusinessUnits(WholesaleBanking,BUB,PB-UAE&International)withinagreedtimeframe/turn-aroundtimeandensureresponselevels.
• Ongoingmeasurementofcreditrisk
• Assessmentofprovisions,portfoliohealthetc

JobPurpose

• EvaluatecreditproposalssubmittedbytheWholesalebankingbusinessunits.Analyseandsubmitrecommendationstomanagement
• Evaluatecreditriskandsuggestmitigatingmeasureswherepossible
• EnsuretomaintaingoodqualityoftheCorporateCreditportfoliooftheaccounts/BUsallocated
• Ensurethatlendingproposalsareincompliancewithpolicies&UAECBregulations
• Closemonitoringofportfolioofone/moreCBUs(dependingonsizeofCBU)especiallyaccountsonborderlinei.e.OLEM/Substandardtoensurethattheydonotgetintononperformingcategory
• AdviseBUswithrespecttomanagingofdifficultaccountsandmonitortheirprogress
• Reviewandmakeappropriaterecommendationsforprovisioningofweakeraccountswithrespecttotheportfolioallocated
• Monitorexception/reportsexcesses,pastdues,utilisationwithrespecttotheallocatedportfolio
• Maximisingreturnsfromarelationship–adviserelationshipteam/managementonstrategiesforvariousgroups
• Analyserequestsforchangesindocumentation/standardtermsincldingliasingwithstakeholderslikeLegal,CRAD,etc.

JobContent

Customer-Services

a) MaintainServiceQualityandadherencetoTATs(measuredviaTrackSoftorsimilarreports)

b) ProactiveBusinessSupportandQualityofinteractionwithallocatedBUs(tobe2way)

c) UnderstandCustomerNeedsandundertakeBU/customervisitsasrequired.

Internal-Process

a) QualityofCreditRecommendations&/orapprovals;necessaryescalations/discussions

b) AdherencetoPolicy/Processes/Guidelines

c) Undertakesector/portfolioreviews

Internal-Compliance

a) Accuracy&qualityofcommentsonvariousreports;monitorexceptionreports&a/csfortimelyinclusiononEARaspercontrol&monitoringrequirements.

b) Escalatecovenantbreaches&otherauditremarks.

c) Ensureproactiveportfoliomanagementthroughregularmonitoringofa/cs,especiallyPD/OLEM/EAR/PROVforecasta/cs/repayments&reduceNPLs.

d) Monitorallexceptionsonaproactivebasis&minimizereviewoverdue/covenantoverdue/DDR.

e) ContributetowardsachievingacceptableINAratingasaminimum(measuredbyGCDINArating)

f) IFRS9Governance&Stagingtobecompletedperpolicy.

g) Toensurecompliancewithregulatoryrequirements.

h) TosupportENBDESGinitiativethroughautomationofscorecardintegratedinnCino(LoanOriginationSystem)forcreditassessmentofproposals>AED50M.

Initiatives-Project

a) Contributetowardspolicy/processrevisions,industryreviewsbesidesDLAauthorities&controls.

b) Proactivenesstoprovidesuggestionsforoverallimprovementinproceduresorprocesses

c) Initiativeandinvolvementinspecialprojectsfromtimetotime(measuredbyactualprojects).

Employee-People

a) Initiativetoimproveknowledge,developtechnical&softskillsofselfbycompletingtherequiredtrainingprogramsincludingAI-relatedtrainingcourses.

b) Developproduct,policy&proceduresknowledge.

c) Effectiveinteractionwithcolleaguestoshareknowledge&aimatCustomerSatisfaction(measuredviaGCDCSATscores)

d) Teamworkforvariousinitiativessuchasideasandactionasdetailedbelow.

• EnsureproactivedynamicredistributionofworkloadamongGCDstaffbysupportingotherteamstoachieveTATforbusinessproposals.
• ImprovementofcreditrequestprocessingEndtoEndTAT.
• Contributetopositiveteamspirit.

e) AnyotherspecialtasksassignedbyGCCO/HeadofCreditRiskManagement/HeadofCreditReview.

Education

• Bachelor’sormaster’sDegree
• Diploma/certificationinbanking/finance

Experiences

• 3+yearsofbankingexperience
• 1yearexperienceincorporatecredit

Knowledge&Skills

• KnowledgeofcorporateproductsincludingTradeFinance,Treasury,andSyndications/Clubdeals;andRealestateandProjectfinance

BehavioralCompetencies

• Abilitytomanagehighvolumes,whileensuringrequiredduediligence
• Abilitytoworkindependentlyandpositiveteamspirit
• Abilitytointeractwithvariouslevelsofseniority
• Initiativetolearnandimprovecreditskills

Responsibilities

1. Credit risk integrity in loan underwriting decisions

• Review credit applications to ensure alignment with internal risk policies and regulatory requirements.
• Validate supporting financial documents and credit information for accuracy and completeness.
• Identify inconsistencies or potential red flags in borrower profiles and elevate as appropriate.
• Document credit assessment findings clearly to support transparent decision-making.
• Coordinate with relationship managers to clarify application details and mitigate information gaps.

Performance Measures:

• Quality of credit application reviews as evidenced by audit outcomes
• Frequency of escalated exceptions due to incomplete or inaccurate documentation
• Stakeholder feedback on clarity and usefulness of credit assessment documentation

2. Operational risk mitigation in credit assessment processes

• Apply established credit risk controls when processing loan applications to minimise operational errors.
• Monitor adherence to data privacy and confidentiality standards throughout the assessment process.
• Flag process deviations or control breaches to the manager for timely remediation.
• Maintain accurate records of credit decisions in the bank's risk management system.
• Support periodic process reviews by providing input on observed risks or inefficiencies.

Performance Measures:

• Incidence of operational errors or control breaches in credit processing
• Quality of record-keeping as assessed in internal reviews
• Effectiveness of risk mitigation as reflected in reduced process deviations

3. Regulatory compliance in credit documentation and reporting

• Verify that all credit files meet regulatory documentation standards prior to approval.
• Ensure mandatory disclosures and compliance checklists are completed for each application.
• Assist in preparing periodic reports for regulatory or internal audit purposes.
• Escalate potential compliance gaps or irregularities to the manager without delay.

Performance Measures:

• Absence of regulatory findings related to credit documentation
• Completeness of compliance checklists in reviewed files
• Timeliness and accuracy of data provided for regulatory reporting

4. Data accuracy and quality in credit risk systems

• Input and update credit risk data in core banking and risk management platforms with precision.
• Cross-check system entries against source documents to prevent data integrity issues.
• Identify and report data discrepancies or system errors to relevant stakeholders.
• Support data quality initiatives by participating in periodic data cleansing exercises.

Performance Measures:

• Accuracy of credit risk data entries as verified by system audits
• Resolution rate of reported data discrepancies
• Contribution to improved data quality metrics in credit risk systems

Qualifications

• Bachelor's degree in Finance, Accounting, Business, or related field
• Relevant certification such as Credit Risk Certification (CRC) or equivalent preferred
• Ongoing professional development in credit risk or banking regulations