Senior Credit Risk Manager - Structured Finance

First Abu Dhabi Bank; Abu Dhabi; Presencial; AED 450.000 - 650.000; Jornada completa

Descripción de la vacante

First Abu Dhabi Bank (FAB) invites an experienced Senior Credit Risk Manager to lead credit assessments and structure complex financing transactions in corporate and structured debt. The role is based in Abu Dhabi and oversees an allocated portfolio with emphasis on risk-informed decision making.

Based in Abu Dhabi, you will guide a credit team, collaborate with Legal, Corporate Finance, and risk governance to ensure underwriting that meets regulatory standards while driving efficiency and

Formación

• 15 years in banking with broad credit risk experience.
• 5–7 years in structured debt financing.
• Proven ability to manage credit evaluations and approval processes.

Responsabilidades

• Independently manage credit evaluation and approval processes for corporate lending and structured debt.
• Prepare comprehensive credit appraisal memoranda with clear risk assessments and recommendations.
• Lead a small team of credit analysts and contribute to budgeting and regulatory reporting.
• Support digitalisation and automation initiatives within Group Credit.

Descripción del empleo

Senior Credit Risk Manager - Structured Finance

First Abu Dhabi Bank (FAB) is seeking an experienced Senior Credit Risk Manager to undertake credit assessments, structure and evaluate complex financing transactions, and oversee an allocated portfolio of corporate and structured debt exposures.

The role involves independently managing credit evaluations and approval processes across corporate lending, working capital, trade finance, project finance, asset finance, non-recourse real estate financing and leveraged or acquisition finance. The successful candidate will prepare detailed credit appraisal memoranda, assess counterparty and transaction risks, establish appropriate credit conditions and monitor portfolio performance. Working closely with Corporate Finance, business teams, Legal, Credit Administration and other stakeholders, the position requires the ability to balance commercial objectives with the bank 's credit underwriting standards and regulatory requirements. The role also includes guiding a small team of credit analysts, contributing to budgeting, regulatory reporting and management information, and supporting digitalisation and automation initiatives within Group Credit.

Location: Abu Dhabi, United Arab Emirates.

Industry: Banking.

Job Type: Full Time. Work Arrangement: On-site.

Experience: 15 years in banking, including 5-7 years in structured debt financing.

Key Responsibilities

• Independently manage credit evaluation and approval processes for corporate lending and structured debt transactions within applicable authority and approval frameworks.
• Conduct detailed financial and credit assessments of borrowers, counterparties and proposed financing structures.
• Prepare comprehensive credit appraisal memoranda with clear risk assessments and recommendations.
• Evaluate working capital facilities, trade finance arrangements, project finance and asset-backed financing transactions.
• Assess non-recourse real estate financing, leveraged finance and acquisition finance proposals.
• Analyse complex transaction structures, asset quality, collateral coverage and counterparty creditworthiness.
• Review financial models, projected cash flows, repayment capacity and relevant valuation assumptions.
• Evaluate transaction risks and ensure proposed facilities are appropriately structured.
• Verify the completeness and accuracy of supporting documentation submitted with credit requests.
• Identify credit policy exceptions and ensure they are addressed through appropriate approval processes.
• Present credit recommendations and supporting rationale to the bank 's relevant approving authorities.

Structured Finance and Transaction Risk Analysis

• Assess the credit and structural risks associated with complex financing transactions.
• Review term sheets in collaboration with Legal and relevant business stakeholders.
• Evaluate proposed financing structures against the bank 's underwriting standards and risk appetite.
• Establish or recommend appropriate credit terms and conditions, including facility limits, amortisation schedules, financial covenants, seniority of claims and events of default.
• Analyse asset valuations, security arrangements and repayment structures.
• Assess the financial and commercial risks associated with structured debt exposures.
• Review risk-adjusted returns, including Risk-Adjusted Return on Capital (RAROC) calculations and transaction return assessments.
• Evaluate the adequacy of proposed risk mitigants and credit protections.
• Conduct event-driven risk assessments when developments may affect existing structured finance exposures.
• Work with Corporate Finance teams on appropriate product programmes and the development of Risk Acceptance Criteria (RACs).

Credit Portfolio Management

• Manage the overall credit quality and risk profile of the allocated corporate and structured finance portfolio.
• Complete annual credit reviews within established timelines.
• Monitor credit exposures at both counterparty and product levels.
• Track past-due obligations, delinquencies and potential deterioration in borrower creditworthiness.
• Identify and assess early warning indicators affecting portfolio performance.
• Monitor compliance with approved financial and non-financial covenants.
• Review documentation deferrals, outstanding conditions and related credit exceptions.
• Conduct portfolio stress testing and assess potential changes in credit risk.
• Engage regularly with business counterparts to address emerging credit concerns.
• Recommend appropriate risk mitigation measures where portfolio weaknesses are identified.
• Maintain effective oversight of allocated exposures in accordance with internal credit policies.

Credit Facility Reviews and Client Requests

• Review customer requests for credit facility amendments, deferrals and waivers.
• Assess the credit risks associated with proposed changes to approved facility conditions.
• Review or approve deferral and waiver requests within the applicable delegated authority.
• Evaluate requests for excess rental releases, taking into account available and expected rental cash flows.
• Assess whether proposed facility structures meet customer requirements while remaining within the bank 's underwriting standards.
• Coordinate with relevant stakeholders to resolve issues affecting approved credit facilities.
• Ensure loan applications and related service requests are processed within agreed service-level agreements.
• Maintain appropriate records of credit decisions, supporting analysis and approvals.

Business Partnership and Client Engagement

• Work closely with Corporate Finance and relevant business units on complex credit proposals.
• Engage with senior business stakeholders on financing arrangements involving high-net-worth and sensitive client relationships.
• Provide credit risk input during the structuring of proposed facilities.
• Accompany business counterparts to client meetings when required.
• Develop an understanding of customer businesses, financing requirements and underlying repayment sources.
• Communicate underwriting considerations and potential credit risks clearly to relevant stakeholders.
• Collaborate with Legal on transaction documentation, structural protections and credit conditions.
• Coordinate with Credit Administration, Collections and Operations to resolve facility-related matters.
• Support commercially appropriate financing solutions that comply with the bank 's risk management requirements.

Credit Risk Governance and Regulatory Compliance

• Ensure credit assessments and recommendations comply with FAB 's credit underwriting policies.
• Maintain a thorough understanding of applicable internal credit risk requirements.
• Apply relevant regulatory requirements and recognised industry practices to credit assessments.
• Consider Basel regulatory requirements and IFRS 9 principles relevant to credit risk.
• Apply knowledge of Expected Credit Loss (ECL) and impairment calculations when assessing portfolio risks.
• Identify and address exceptions to approved credit policies.
• Review credit documentation for completeness and accuracy to reduce potential fraud, operational and delinquency risks.
• Follow departmental policies, standard operating procedures and established approval requirements.
• Maintain professional conduct consistent with the bank 's values and ethical standards.

Financial Analysis and Risk Modelling

• Review complex financial models supporting corporate and structured finance proposals.
• Critically assess cash flow forecasts, repayment assumptions and financial sensitivities.
• Evaluate borrower financial performance and debt servicing capacity.
• Analyse asset valuations and their implications for credit risk.
• Review RAROC calculations and financing return assessments.
• Apply appropriate valuation procedures and monitoring frameworks to structured debt transactions.
• Assess the