credit manager

Emirates Islamic; Dubai; On-site; AED 100,000 - 167,000; Full time

Job summary

Emirates Islamic is seeking a qualified credit risk professional to support independent assessment, monitoring, and control of the bank’s credit risk across the portfolio.

The role emphasizes strict adherence to risk appetite, internal policies, and UAE Central Bank regulations, with responsibilities spanning proposal assessment, facility structuring, client engagement, and ongoing portfolio governance.

Qualifications

• Bachelor or Master’s Degree in Finance.
• CA/CFA/CPA/CMA certification.
• Knowledge of Corporate products including Trade Finance, Treasury and Syndications/Club deals; and Real estate and Project finance.
• Ability to prioritize responsibilities.

Responsibilities

• Assess credit proposals to fit Bank’s strategy and Credit policy.
• Contribute to facility structuring with detailed risk analysis.
• Meet customers and conduct site visits as needed.
• Ensure proposals comply with policy and UAE Central Bank norms.
• Monitor asset portfolio and issue risk warnings to prevent losses.
• Review irregular/past due credits and renewals with follow-up.
• Interact with relationship managers.
• Appraise and control credit exposures.
• Set up policies to ensure timely credit proposal processing.
• Ensure credits meet the bank’s lending standards.

Skills

Corporate products knowledge

Prioritization

Education

Bachelor or Master’s Degree in Finance

CA/CFA/CPA/CMA certification

Job description

Job Description

The Credit function within Emirates Islamic is responsible for the independent assessment, monitoring, and control of credit risk across the bank’s portfolio. The unit ensures that all credit exposures are aligned with the bank’s risk appetite, internal policies, and regulatory requirements set by the UAE Central Bank. It supports sustainable business growth by enabling informed credit decision-making, maintaining asset quality, and minimizing potential losses. Through robust credit evaluation, ongoing portfolio monitoring, and policy development, the unit enhances risk governance, ensures timely processing of credit proposals, and contributes to maintaining a strong and healthy credit portfolio.

Responsibilities

• Assessing credit proposal from the allocated Wholesale Banking portfolio, to ensure these fit within Bank’s strategy and Credit policy.
• Contribute to facility structuring & ensure completeness of applications incl. detailed analysis of sector/industry and all associated risks.
• Meet customers to get first-hand view of the proposal and undertake site visits as required.
• Ensure that financing proposals are in compliance with Bank’s credit policy and also in compliance with UAE Central Bank’s regulatory norms.
• Monitoring portfolio of assets and exercising close surveillance to ensure its healthy status; research and analyze both micro and macro development in relation to credits to provide anticipatory warnings of risks, foresee danger signals and advise measures to prevent losses. Identify weak accounts within allocated portfolio and recommend for downgrading – with or without provisioning.
• Control, monitor and follow-up credits via review of irregular and past due accounts, pending documentation and overdue renewals.
• Interacting with relationship managers.
• Appraisal, assessment & control of credit exposures.
• Control function, which ensures EI takes on assets which meets EI/Group’s standard on lending in terms of risk.
• Set up Credit policies which allow us to process credit proposals within agreed time-frame and thereby set up Service Level Agreements which will define turn-around time and ensure response levels.

Qualifications

• Bachelor or Master’s Degree in Finance
• CA/CFA/CPA/CMA certification
• Knowledge of Corporate products including Trade Finance, Treasury and Syndications/Club deals; and Real estate and Project finance
• Ability to prioritize responsibilities