Credit Manager

ADIB Group; Dubai; On-site; AED 150,000 - 250,000; Full time

Job summary

A leading company in the UAE seeks a Credit Manager to analyze and review customer Credit Applications and proposals in Dubai. This role involves ensuring compliance with bank policies and central regulations while making sound credit decisions. The ideal candidate will exhibit strong analytical, communication, and interpersonal skills along with the ability to handle risk evaluations.

Qualifications

• Excellent judgment and interpersonal skills.
• Good analytical and technical skills.
• English language skills; Arabic is a plus.

Responsibilities

• Review credit applications for compliance and make decisions.
• Conduct financial analysis and recommend credit proposals.
• Collaborate with business units for effective credit procedures.

Skills

Analytical skills

Communication

Risk evaluation

Interpersonal skills

Job description

Description

Role : Credit Manager

Location : Dubai

Role Purpose:

The role includes reviewing and analyzing customers' Credit Applications, Availments, and SFCAs. Check documents and the genuineness of financial statements, conduct financial and non-financial analysis for Credit Proposals in accordance with bank policies, and recommend the financing package that meets customer requirements and capabilities.

Key Accountabilities of the role

Responsibilities:

• Review credit applications of companies to ensure compliance with credit programs, TM RAC banks policy, central bank laws, and regulations.
• Approve credit proposals up to the designated limit or recommend proposals for upper approval limits.
• Provide satisfactory credit decisions (approve, decline, conditional), recommendations, and add value to credit proposal analyses.
• Contribute to achieving department objectives, goals, and policies.
• Provide timely reports to SME Risk Head regarding any discrepancies or negative indicators.
• Work closely with the business in a consultative and proactive manner to ensure effective implementation of credit procedures and policies, and that desired standards are met.
• Collaborate with the business to ensure the receipt of a complete set of documents required for review and analysis of credit applications.
• Conduct site visits to customers when needed to evaluate management quality, operations, and creditworthiness.
• Highlight risk factors and mitigation strategies in each credit application.
• Perform any other assignments assigned by the line manager.

Results Required

• Ensure minimal errors during application review.
• Meet the Turnaround Time (TAT) as per SLA with the Business.
• Undertake proper due diligence for processing and recommending credit proposals.
• Ensure no regulatory issues arise from reviewed cases.
• Attend and pass prescribed training courses.
• Maintain satisfactory internal and external audit ratings.

Specialist Skills / Technical Knowledge Required

• Excellent judgment, communication, and interpersonal skills.
• Initiative, analytical skills, and risk evaluation/mitigation capabilities.
• Good analytical and technical skills.
• English language skills; Arabic is a plus.

Required Experience

Manager