AVP & Lead - Credit Management

First Abu Dhabi Bank; Abu Dhabi; On-site; AED 60,000 - 120,000; Full time

Job summary

A premier financial institution in the UAE is seeking candidates for a credit analyst role. The candidate will prepare, review, and recommend credit facilities for corporate clients while ensuring compliance with credit policies. A Bachelor's degree and 5 years of relevant banking experience are essential, with a preference for Chartered Accountants or MBAs. This position offers an opportunity to work within a leading bank in a dynamic environment.

Qualifications

• Minimum 5 years relevant banking experience.
• At least 3 years in credit-related roles.

Responsibilities

• Prepare and review credit applications.
• Coordinate with Relationship Managers for annual reviews.
• Monitor accounts for compliance and risk indicators.
• Present accurate data to stakeholders.

Skills

Credit analysis

Client relationship management

Risk assessment

Education

Bachelor’s degree

Chartered Accountant or MBA

Job description

Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting and dynamic industry.

JOB PURPOSE

The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for a portfolio of CIB Corporate clients. The role also entails compliance with all credit policies and guidelines.

KEY ACCOUNTABILITIES

• Ensure timely preparation and submission of Credit Applications and conduct necessary client visits and due diligence in coordination with the coverage team.
• Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
• Ensure credit processing & approval turnaround times as per agreed SLAs with CIB.
• Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
• Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
• Maintain credit processing & approval turnaround times as per agreed SLAs with CIB.
• Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
• Ensure accuracy of data being presented to various stakeholders including senior management

Qualifications

Minimum Qualification

• Must have Bachelor’s degree.
• Chartered Accountant or Master’s in Business Administration (MBA) preferred.

Minimum Experience

• 5 years’ relevant experience in the banking sector with at least 3 years in similar positions of progressively increasing responsibilities in the Credit function.