Credit Review Manager

ADIB Group; Abu Dhabi; On-site; AED 120,000 - 160,000; Full time

Job summary

ADIB Group in Abu Dhabi is seeking a Credit Review Manager to assess corporate banking credit requests within Wholesale Banking Group and International Business Group. You will provide independent risk views and ensure adherence to risk policies and credit limits.

Responsibilities include reviewing finance requests, conducting due diligence, structuring facilities, and approving standalone recommendations for higher authorities. UAE Nationals encouraged to apply.

Qualifications

• 3-5 years of Corporate Banking / credit experience.
• At least 3 years of local/regional market experience.
• Good working knowledge of banking products.
• Numerical and detail oriented.
• Degree in Business Administration/Finance/Accounting.

Responsibilities

• Review and approve new finance requests annual reviews CCRs within DLA and provide credit recommendations to higher approving authorities for requests in excess of DLA.
• Establish effective communication with Business to understand the clients needs and ensure that deal due diligence (qualitative and quantitative) is robust.
• Ensure that facilities purpose and structure are in line with customers financing requirements and repayment capacity; optimize the risk return trade off through efficient collaterals financial covenants and terms & conditions.
• Make sure appropriate risks / mitigation analysis is in place primary & secondary sources of repayment have been adequately identified addressed and can withstand the tenor on base and stressed case scenarios.
• Ensure Credit Policy and TM/RAC adherence and ensure that appropriate justification/mitigants are in place.
• Ensure strict compliance with banks credit policies and procedures and central bank laws and regulations.
• Conduct joint customer site visits when required in order to evaluate the quality of the management / operation and credit worthiness.
• Monitor post disbursement past dues and TOD reports and oversee collection of past due accounts in coordination with the business team.
• Participate in projects that streamline and improve existing processes including policy and process revisions.
• Any other special assignment given by line manager / GCCO

Skills

Corporate banking

Credit experience

Regional market experience

Banking products knowledge

Numerical accuracy

Education

Degree in Business Administration/Finance/Accounting

Job description

Description

Role : Credit Review Manager
Location : Abu Dhabi
Role Purpose:

• Process credit applications / requests for Project & Structured Finance within Wholesale Banking Group (WBG) and International Business Group (IBG).
• Make balanced credit decisions and provide an independent view regarding proposed business transactions
• Communicate and adhere to ADIBs risk culture risk appetite and tolerance risk policies practices procedures and risk limits

Key Accountabilities of the role

• Review and approve new finance requests annual reviews CCRs within DLA and provide credit recommendations to higher approving authorities for requests in excess of DLA
• Establish effective communication with Business to understand the clients needs and ensure that deal due diligence (qualitative and quantitative) is robust
• Ensure that facilities purpose and structure are in line with customers financing requirements and repayment capacity; optimize the risk return trade off through efficient collaterals financial covenants and terms & conditions
• Make sure appropriate risks / mitigation analysis is in place primary & secondary sources of repayment have been adequately identified addressed and can withstand the tenor on base and stressed case scenarios.
• Ensure Credit Policy and TM/RAC adherence and ensure that appropriate justification/mitigants are in place
• Ensure strict compliance with banks credit policies and procedures and central bank laws and regulations
• Conduct joint customer site visits when required in order to evaluate the quality of the management / operation and credit worthiness
• Monitor post disbursement past dues and TOD reports and oversee collection of past due accounts in coordination with the business team
• Participate in projects that streamline and improve existing processes including policy and process revisions
• Any other special assignment given by line manager / GCCO

Specialist Skills / Technical Knowledge Required for this role:

• 3-5 years of Corporate Banking / credit experience
• At least 3 years of local/regional market experience
• Good working knowledge of banking products
• Numerical and detail oriented
• Degree in Business Administration/Finance/Accounting

UAE Nationals are encouraged to apply for this role.

Required Experience:

Manager