Credit Risk Assurance Manager

ADIB Group; Abu Dhabi; On-site; AED 420,000 - 640,000; Full time

Job summary

ADIB Group in Abu Dhabi seeks a Credit Risk Assurance Manager to oversee the Credit Risk Review Programme and governance for risk committees. The role demands expertise in credit risk management, policy development, and independent assessments across diverse portfolios.

You will drive annual planning, monitor portfolio risk, and provide actionable insights to senior management. The ideal candidate has 8+ years in credit risk roles, familiarity with CB UAE regulations, and strong communication

Qualifications

• Minimum of 8 years of work experience in credit risk management, credit portfolio management, underwriting or review/quality control.
• Experience across sectors/products including corporates, financial institutions, CRE, leasing, structured finance and retail lending.
• Knowledge of risk and/or credit risk management and control frameworks.
• Ability to articulate credit review opinions, including where they diverge from 1LoD.
• UAE working experience is desirable (2 years).
• Familiarity with CB UAE regulatory regime pertaining risk management.
• Proficiency with MS PowerPoint, Excel, Word and Outlook.

Responsibilities

• Assist Head of Credit Risk Review in managing the Credit Risk Review Programme and governance for risk committees and governing bodies.
• Support development of Credit Risk Review objectives and establish policy and procedures for Credit Risks.
• Develop and execute the annual Credit Risk Review plan and monitor progress.
• Perform continuous monitoring of credit portfolios and document findings for senior management and the Board.
• Participate in credit risk reviews to independently assess Credit Risk Policies and Procedures.
• Evaluate credit and financial strength of borrowers and assurance of internal ratings.
• Monitor adherence to documentation limits and collateral perfection; review covenants.
• Verify the adequacy and completeness of credit files and that exams comply with policies.
• Prepare work papers, document findings and provide consultative feedback to auditees.
• Contribute to continuous improvement of Credit Risk Review tools and methodologies.
• Other duties as assigned.

Skills

Excellent communication

Stakeholder management

Team player

Attention to detail

Delivery under pressure

Organisational skills

Proactive process improvement

Commercial awareness

Analytical/problem-solving

Tools

MS Office (PowerPoint, Excel, Word, Outlook)

Job description

Description

Role: Credit Risk Assurance Manager

Location: Abu Dhabi

Role Purpose:

The Risk Governance and Risk Policy team is primarily responsible for supporting the GCRO on:

• the end-to-end risk management and governance for Risk Committees and other governing bodies
• Policy Management and regulatory governance programmes and special projects and initiatives
• providing independent oversight and assurance on the Credit Risk Management Framework

Key Accountabilities of the role:

• Assist the Head of Credit Risk Review with managing the Credit Risk Review Programme which assesses the Credit Risk Management Framework including the ongoing monitoring of the quality of the various credit portfolios and activities creating direct and indirect credit risk assessing adherence to policies and procedures and compliance with legal and regulatory requirements and evaluate results to determine if issues exist and improvement recommendation are required.
• Support the development of Credit Risk Review objectives and establish a Credit Risk Review Policy and Procedure(s) to address relevant Credit Risks.
• Asist with the development and execution of Credit Risk Reviews annual plan including monitoring of annual plan progress and changes.
• Perform continuous monitoring of credit portfolios regarding the identification measurement and management of Credit Risk and document and communicate findings to senior management and the Board.
• Participate in credit risk reviews to independently assess and challenge the application and sufficiency of Credit Risk Policies and Procedures.
• Evaluate the credit and financial strength of borrowers to determine if internal ratings and levels of credit exposure are acceptable.
• Monitor adherence to documentation limits and risk mitigants including review of covenants and perfection of collateral.
• Verify the adequacy and completeness of credit files.
• Ensure exams are performed in accordance with policies and procedures.
• Prepare work papers document review findings and conclusions.
• Provide consultative feedback to auditees.
• Contribute to the continuous improvement of Credit Risk Review tools and methodologies.
• Performs other duties as assigned.

Skills:

• Excellent communication negotiation and stakeholder management skills
• A team player with the ability to work on your own at times
• High degree of personal accountability quality accuracy integrity and trust
• Attention to detail and the ability to prioritize and deliver in a fast paced and dynamic environment
• Resilience and the ability to cope under pressure
• Strong organisational skills and the ability to manage multiple assignments concurrently A proactive approach to work in terms of suggesting changes and improvements to processes
• Commercial awareness and the ability to understand broad business issues
• Good analytical and problem-solving skills

Previous experience:

• Minimum of 8 years of work experience in credit risk management credit portfolio management underwriting or review/quality control gained at a bank rating agency regulatory body or consulting
• Experience in diverse sectors/products including corporates financial institutions commercial real estate leasing structured finance and retail lending
• Working knowledge of risk and/or credit risk management and control frameworks
• Understanding of review/audit concepts within planning fieldwork and reporting
• Ability to articulate credit review opinions including where they diverge from 1LoD
• Good understanding of credit/loan documentation
• UAE working experience of 2 years
• Familiarity with the CB UAE regulatory regime pertaining risk management
• Proficient with Microsoft Power Point Excel Word and Outlook

Required Experience:

Manager