Chief Credit Officer, GCC

UBL UAE; Dubai; On-site; AED 150,000 - 210,000; Full time

Job summary

UBL UAE is seeking an experienced Credit Officer to join the UAE Credit team. The role covers credit analysis, approval processing, and portfolio monitoring for corporate and commercial clients within the UAE market.

The ideal candidate will have local UAE market knowledge, extensive corporate credit experience, and strong financial analysis skills to assess risk, structure facilities, and ensure compliance with regulatory requirements.

Qualifications

• Local UAE market knowledge and understanding of the UAE business environment
• Strong financial analysis and risk assessment capabilities
• Excellent written and verbal communication skills

Responsibilities

• Exercise credit approval within delegated limits for UAE corporate/commercial clients
• Prepare credit approval memoranda and documentation for authorities
• Monitor portfolio quality and identify early warnings
• Assess creditworthiness, repayment capacity, financial strength, and business model of customers
• Ensure facilities align with risk appetite, policies, and regulatory requirements
• Evaluate new and renewing credit proposals, restructurings and waivers
• Provide independent challenge to business proposals as needed

Skills

Financial analysis

Credit risk assessment

Regulatory knowledge

Written and verbal communication

Education

Bachelor’s degree / credit certifications

Job description

Position Summary:

We are looking for an experienced Credit Officer to join our UAE Credit team. The role is responsible for credit analysis, approval processing, and portfolio monitoring for corporate and commercial clients in the UAE market. Candidates must bring hands‑on familiarity with the UAE credit and business landscape, including experience in real estate developer financing, contracting, oil & gas, commodity trading and other key local sectors.

Key Responsibilities

• Exercise credit approval in line with delegated credit limit authority for UAE corporate/commercial clients
• Conduct credit analysis, review and prepare credit approval memoranda and supporting documentation for submission to the appropriate approval authorities for UAE corporate/commercial clients credit proposals in excess of delegated credit limit authority
• Monitor portfolio quality and identification of early‑warning indicators
• Assess the creditworthiness, repayment capacity, financial strength, business model, and overall risk profile of customers and counterparties.
• Ensure proposed facilities are structured in accordance with the Bank's risk appetite, credit policies, delegated authorities, and applicable regulatory requirements.
• Evaluate new business proposals, renewals, amendments, excesses, restructurings, waivers, and other credit‑related requests.
• Provide independent challenge to business proposals where required and ensure that material credit risks are appropriately identified and addressed.

Qualifications & Experience

• Mandatory: Local UAE market experience and knowledge, with a clear understanding of the local business and credit environment
• Bachelor’s degree /credit certifications preferred
• Minimum 12 to 15 years of experience in corporate/commercial credit within a bank or financial institution
• Open to candidates from a broader business and credit risk background, provided local UAE market knowledge is demonstrated
• Strong financial analysis skills
• Sound understanding of UAE regulatory frameworks and credit risk practices
• Excellent written and verbal communication skills