Senior Credit Manager

Abu Dhabi Islamic Bank PJSC; Abu Dhabi; On-site; AED 300,000 - 500,000; Full time

Job summary

Abu Dhabi Islamic Bank is seeking a Senior Credit Manager for Wholesale Banking in Abu Dhabi/Dubai. You will review credit applications and annual/ interim requests for corporate clients, ensuring alignment with policy and regulatory standards, and present recommendations to Senior Credit Officers.

Responsibilities include ensuring facilities meet client needs, maintaining robust due diligence, and coordinating with regional teams on risk and compliance.

Qualifications

• Review credit applications for Wholesale Banking.
• 8–10 years of Corporate Banking experience.
• This position is open for UAE Nationals only.

Responsibilities

• Review new finance requests, annual reviews, interim requests and provide credit recommendations.
• Ensure facilities purpose and structure align with customer financing needs and repayment capacity.
• Maintain compliance with Credit Policy and TM/RAC; highlight deviations for mitigants.
• Conduct joint customer site visits when required to evaluate management and credit worthiness.
• Monitor early warning indicators and report breaches; prepare red flag minutes.
• Support post-disbursement monitoring and recovery actions; coordinate with business teams.

Skills

Credit risk

Corporate Banking

Credit reviews

Job description

Role: Senior Credit Manager for Wholesale Banking

Location: Abu Dhabi/Dubai, UAE

Responsible for reviewing credit applications for Wholesale Banking

Evaluate individual credit requests (for new and existing) corporate clients

Ensuring all credit and other applications / requests submitted from Business are in line with ADIB credit policies and procedures, TM / RACs and other legal regulations

Present with recommendation to Senior Credit Officers

Key accountabilities of the role:

Responsible for reviewing all new finance requests, annual reviews, Interim requests and providing credit recommendation.

Ensure that facilities purpose and structure are in line with customer’s financing requirements and repayment capacity; optimize the risk return traded through efficient collaterals, financial covenants and terms & conditions

Establish effective communication with Business to understand the client’s needs and ensure that dealing due diligence (qualitative and quantitative) is robust

Make sure appropriate risks/mitigation analysis is in place, primary & secondary sources or repayment have been adequately identified, addressed, and can withstand the tenor on base and stressed case scenarios.

Ensure Credit Policy and TM/RAC adherence. Highlight deviations to the Regional Risk Manager and ensure that appropriate justification/mitigants are in place.

Conduct joint customer site visits with Regional Risk Manager when required in order to evaluate the quality of the management/operation and credit worthiness.

Monitor early warning indicators to identify potential problematic accounts. Report trigger breaches to the Regional Risk Manager. Prepare minutes to red flag meetings.

Ensure strict compliance with bank’s credit policies and procedures and central bank laws and regulations.

Monitor post disbursement, past dues and TOD reports and oversee collection of past due accounts in coordination with the business team. Manage delinquencies by recommending rescheduling / restructuring of facilities or transferring the account to Asset Remedial Management.

Participate in projects that streamline and improve existing processes including policy and process revisions.

Prepare and update Risk & Control Self-Assessment (RCSA), manage the quarterly credit self-assessment / control testing process and reporting for the unit ensuring timely submissions and tracking of corrective active plan.

Help prepare periodic portfolio reviews in line with scenario plan requirement and ongoing monitoring of action plan / triggers identified in the review.

Arrange and manage process for greenlighting of new transactions.

Any other assignment given by SCO’s and GCCO

Technical knowledge – Previous Corporate Banking / Credit experience preferred.

Minimum of 8-10 years of Corporate Banking experience

This position is open for UAE Nationals only.

Job Info

• Job Identification 4350
• Posting Date 06/17/2026, 08:55 AM
• Apply Before 07/26/2026, 08:00 PM
• Job Schedule Full time
• Locations Abu Dhabi, Al Rowdah, Shk Rashid Bin Saeed St. 313 ADIB New Headquarters Branch, Sh. Zayed Main Branch Abu Dhabi United Arab Emirates, Abu Dhabi, AE