Lead – Corporate Credit

Adecco Portugal; Abu Dhabi; On-site; AED 350,000 - 520,000; Full time

Job summary

UAE Bank is seeking a Lead – Corporate Credit to evaluate complex proposals, oversee portfolio risk and guide lending decisions. Reporting to the Unit Head – Corporate Credit, you will conduct in-depth credit assessments, monitor risk indicators and drive improvements in credit processes.

The role requires a university degree with extensive credit experience, strong analytical skills and proven leadership. A strategic, stakeholder-focused mindset and ability to mentor staff are essential.

Qualifications

• University degree in Finance, Accounting, Economics or Business; master’s preferred.

Responsibilities

• Review credit proposals for large corporate clients across industries and advise on approval or rejection based on risk.
• Analyze financial statements, repayment capacity, industry outlook and borrower risk to assess creditworthiness.
• Prepare credit assessments, presentations and recommendations and escalate proposals for approval per delegated authority.
• Ensure compliance with credit policies, regulatory requirements, internal procedures and turnaround times.
• Identify emerging risks and work with Relationship Managers to implement corrective actions.
• Monitor portfolio performance, including sector and borrower concentrations and key risk indicators.
• Assess expected credit losses and staging under IFRS 9.
• Prepare facility approval letters and communications to business teams.
• Support internal credit ratings and financial spreading using Moody’s Risk Analytics.
• Collaborate with Business and Risk Management to improve credit processes and analytics.
• Mentor UAE national employees and oversee credit-related projects.

Skills

Credit assessment

Financial analysis

Portfolio risk monitoring

IFRS 9 knowledge

Moody's Risk Analytics

Credit policies

Regulatory compliance

Stakeholder management

Team development

Communication skills

Analytical skills

Numerical skills

Mentoring UAE nationals

Education

Bachelor’s degree in Finance/Accounting/Economics/Business

Master’s degree (advantage)

Tools

Moody’s Risk Analytics (MRA)

Job description

• Relevant university degree, preferably in Finance, Accounting, Economics or Business; a master’s degree is an advantage.
• Relevant professional qualifications are preferred.
• Minimum 10 years of relevant experience , including at least 5 years at managerial level within credit .
• Strong experience assessing large corporate borrowers across multiple industries.
• Proven capability in financial statement analysis, credit assessment and portfolio risk monitoring.
• Good understanding of credit-related laws, regulatory requirements and banking credit policies.
• Working knowledge of IFRS 9, expected credit losses and credit staging.
• Experience with Moody’s Risk Analytics or comparable credit analysis platforms; credit scoring system experience is preferred.
• Strong analytical, numerical and computer skills, with close attention to detail.
• Sound commercial judgment and the ability to make clear, well-supported credit recommendations.
• Strong communication, presentation, stakeholder management and team development skills.
• Ability to manage competing priorities and deliver high-quality assessments under tight deadlines.

Responsibilities

• Review new, annual and interim credit proposals for large corporate clients across diverse industries, recommending approval or rejection based on comprehensive risk assessment.
• Analyse financial statements, repayment capacity, industry outlook and borrower risk to assess creditworthiness.
• Prepare clear credit assessments, presentations and recommendations, escalating proposals for approval in accordance with delegated authority.
• Ensure compliance with credit policies, regulatory requirements, internal procedures and agreed turnaround times.
• Identify emerging risks and work with Relationship Managers to obtain clarification and implement corrective actions.
• Monitor portfolio performance, including sector and borrower concentrations, non-performing loans and other key risk indicators.
• Assess expected credit losses and staging considerations under IFRS 9.
• Prepare facility approval letters and related communications to business teams.
• Support internal credit ratings, financial spreading and analysis using Moody’s Risk Analytics (MRA).
• Contribute to enhancements in credit systems, risk models and portfolio reporting tools.
• Collaborate with Business and Risk Management teams to improve credit processes and analytical capabilities.
• Guide and mentor team members, including UAE national employees, and oversee credit-related projects and special assignments.

Our client is an established bank in the UAE seeking a Lead – Corporate Credit to evaluate complex corporate credit proposals, oversee portfolio risk and support sound lending decisions. Reporting to the Unit Head – Corporate Credit, the role combines credit assessment, portfolio monitoring, process improvement and team development.