Senior Real Estate Credit Underwriter

First Abu Dhabi Bank; Abu Dhabi; On-site; AED 279,000 - 446,000; Full time

Job summary

First Abu Dhabi Bank in Abu Dhabi seeks an experienced Corporate Credit Analyst to perform detailed credit assessments and approvals for financing of business and investments secured by real estate. You will determine borrower eligibility and ensure facilities align with the bank's TM-RAC and risk appetite.

You will review audited statements, monitor portfolios, and engage with senior business counterparts to ensure robust underwriting and compliance, while maintaining high documentation

Qualifications

• Bachelor’s degree in Finance, Banking, or Commerce.
• 5–7 years in corporate/SME credit or banking.
• Strong analytical and evaluating skills in credit underwriting.

Responsibilities

• Review, analyse & recommend loan proposals in line with policies and market dynamics to produce high-quality credit assessment memos.
• Manage allocated portfolio with annual reviews, delinquencies, covenants, and engage with business counterparts to address issues.
• Engage with senior business counterparts to structure facilities within underwriting standards.
• Attend client meetings to develop understanding of clients and proposed credit facilities.
• Comply with departmental policies and SOPs to ensure smooth, methodical work.
• Demonstrate alignment with FAB values and ethics in all tasks.
• Contribute to policy and process improvements for efficient underwriting and risk management.
• Understand regulatory and internal bank policies and apply them to credit proposals.

Skills

Credit analysis

Financial statement analysis

Risk assessment

Client relationship management

Regulatory knowledge

Education

Bachelor's degree in Finance/Banking/Commerce

Tools

MS Excel

Credit systems (TM-RAC portal)

Job description

First Abu Dhabi Bank in Abu Dhabi seeks an experienced Corporate Credit Analyst to perform detailed credit assessments and approvals for financing of business and investments secured by real estate. You will determine borrower eligibility and ensure facilities align with the bank's TM-RAC and risk appetite.

You will review audited statements, monitor portfolios, and engage with senior business counterparts to ensure robust underwriting and compliance, while maintaining high documentation