Senior Credit Manager UAEN Only

Emirates Islamic; Dubai; On-site; AED 350,000 - 550,000; Full time

Job summary

Emirates Islamic is seeking a senior credit professional to lead assessment, monitoring, and control of credit risk across the bank’s portfolio in the UAE. You will analyze financial statements, review proposals, and ensure compliance with internal policies and UAE Central Bank regulations.

You will engage with Relationship Managers and Risk teams to support sustainable growth and portfolio quality. The role requires 6+ years in banking with a strong corporate credit focus, and professional

Qualifications

• Bachelor's degree in finance, banking, accounting or related field; master’s preferred.
• Minimum 6 years’ experience in banking with strong corporate credit focus.
• Strong knowledge of credit risk analysis and lending frameworks.
• Familiarity with UAE Central Bank regulations and banking compliance.
• CFA/CA/CPA certifications are an advantage.
• Strong analytical, decision-making, and stakeholder management skills.

Responsibilities

• Manage and monitor the assigned credit portfolio, ensuring asset quality and compliance.
• Review and approve credit proposals within delegated authority.
• Conduct detailed credit analysis, including financial statement reviews.
• Ensure all credit facilities comply with internal policies and UAE Central Bank regulations.
• Monitor portfolio performance, identify early warning signals, and recommend corrective actions.
• Engage with internal stakeholders, including Relationship Managers and Risk teams, to support business objectives.
• Support audits, regulatory reviews, and contribute to policy and process improvements.

Skills

Credit risk analysis

Financial statement analysis

Lending frameworks

Stakeholder management

Analytical thinking

Education

Bachelor's degree in finance, banking, accounting or related field

Master's degree preferred

CFA/CA/CPA certification advantageous

Job description

Job Description:

Organization Unit Purpose

The Credit function within Emirates Islamic is responsible for the independent assessment, monitoring, and control of credit risk across the bank’s portfolio. The unit ensures that all credit exposures are aligned with the bank’s risk appetite, internal policies, and regulatory requirements set by the UAE Central Bank. It supports sustainable business growth by enabling informed credit decision-making, maintaining asset quality, and minimizing potential losses. Through robust credit evaluation, ongoing portfolio monitoring, and policy development, the unit enhances risk governance, ensures timely processing of credit proposals, and contributes to maintaining a strong and healthy credit portfolio.

Job Responsibilities

• Manage and monitor the assigned credit portfolio, ensuring asset quality and compliance with risk parameters.
• Review and approve credit proposals within delegated authority and recommend higher-value cases to senior committees.
• Conduct detailed credit analysis, including financial statement reviews and risk assessments.
• Ensure all credit facilities comply with internal policies and UAE Central Bank regulations
• Monitor portfolio performance, identify early warning signals, and recommend corrective actions.
• Engage with internal stakeholders, including Relationship Managers and Risk teams, to support business objectives.
• Support audits, regulatory reviews, and contribute to policy and process improvements.

Required Qualifications & Experience

• Bachelor's degree in finance, Banking, Accounting, or a related field (Master's preferred).
• Minimum of 6 years’ experience in banking, with a strong focus on Corporate Credit.
• Strong knowledge of credit risk analysis, financial statement analysis, and lending frameworks.
• Familiarity with UAE Central Bank regulations and banking compliance standards.
• Professional certifications such as CFA, CA, or CPA is an advantage.
• Strong analytical, decision-making, and stakeholder management skills

EIB

Emirates Islamic was launched in 2004 to deliver the highest standards of banking services in line with Sharia principles.

As one of the leading Islamic banks in the UAE, Emirates Islamic offers exciting career opportunities for highly motivated professionals and graduates. At Emirates Islamic, we believe that our Employees are our biggest asset and we continuously invest in Talent Management & Training and Development programmes to help them excel professionally and achieve success in their chosen career.

Emiratization is a key strategic objective at Emirates Islamic. We provide training to talented, young Emaratis under dedicated programmes that shape their ambition, passion & commitment and guide them to become the future leaders of the organization as well as the overall financial sector.

We are driven by our values of Innovation, Customer Service, Ambition & Ownership and are always looking for talent to add to our diverse work environment comprising of over 60 nationalities.