Credit Review Manager

ADIB Group; Abu Dhabi; On-site; AED 80,000 - 120,000; Full time

Job summary

A major financial institution in Abu Dhabi is seeking a Credit Review Manager to oversee credit applications within its Wholesale Banking Group. The ideal candidate will have 3-5 years of corporate banking experience, strong analytical skills, and a degree in a related field. Responsibilities include reviewing finance requests, ensuring compliance with credit policies, and conducting customer evaluations. UAE Nationals are 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.

Responsibilities

• Process credit applications for Project & Structured Finance.
• Review and approve new finance requests and provide credit recommendations.
• Ensure compliance with credit policies and central bank regulations.

Skills

Corporate Banking experience

Detail-oriented

Numerical analysis

Knowledge of banking products

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