AVP & Lead- Credit Management

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

Job summary

A leading bank in the UAE is seeking a qualified candidate to prepare and review credit applications for corporate clients. The ideal applicant will have a Bachelor’s degree and 5 years of relevant experience in banking, with at least 3 years in credit roles. Responsibilities include ensuring compliance with credit policies and conducting necessary due diligence. This full-time position is not remote.

Qualifications

• 5 years relevant banking experience, with 3 in credit.
• Strong understanding of credit policies and guidelines.

Responsibilities

• Prepare and review credit applications for corporate clients.
• Conduct due diligence and client visits.
• Monitor accounts and compliance with approval conditions.

Education

Bachelor's degree

Chartered Accountant/ MBA

Job description

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

Generic Accountability / Job Specific 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 followup 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 Bachelors degree.
• Desirable: Chartered Accountant/ Masters in Business Administration (MBA).

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.

Remote Work :

No

Employment Type :

Fulltime