Specialist, Credit Management

First Abu Dhabi Bank FAB; Abu Dhabi; On-site; AED 100,000 - 130,000; Full time

Job summary

First Abu Dhabi Bank FAB is seeking a skilled Credit Analyst in Abu Dhabi to analyze clients' financials, assess creditworthiness, and ensure adherence to lending standards.

The ideal candidate will have a bachelor's degree in Finance or Banking and at least 5-7 years of experience in corporate or SME credit. This role demands strong analytical skills and the ability to work under pressure while maintaining high-quality standards.

Qualifications

• Minimum of 5-7 years in Corporate/SME Credit or Banking experience.
• Strong analytical skills and attention to detail.
• Ability to manage documentation and compliance.

Responsibilities

• Analyse financial statements and credit history of clients.
• Review and process loan applications efficiently.
• Coordinate with stakeholders and ensure compliance.

Skills

Financial analysis

Credit assessment

Risk management

Stakeholder coordination

Education

Bachelor’s degree in Finance/Banking/Commerce

Job description

Job Responsibilities

• Analyse client’s audited financial statements, bank statements, rental roll reports, collateral details, etc. Look into client’s credit history, credit reports and system checks to meet bank’s lending standards.
• In‑depth analysis of borrower’s financial ratios such as profitability, solvency, cash flow, debt service coverage ratios to ensure error‑free underwriting and to verify that the borrower has sufficient repayment capacity to repay the proposed loan facilities.
• Review and analyse re‑structuring requests from existing loan customers and recommend in line with the bank’s policy TM‑RAC.
• Work out the credit risk rating and check RAROC of the customer as per the bank’s portals.
• Ensure completeness and accuracy of documentation submitted with the credit request to avoid fraud and/or delinquency in the future.
• Review the excess rental release requests of the clients after reviewing the rental register and rental collection account.
• Work in coordination with other stakeholders such as Credit Administration, Collections, Operations, etc., and take up with business in case of non‑compliance of terms and conditions.
• Review, approve deferral or waiver requests given by existing customers and recommend the same keeping in mind the credit risk involved.
• Process loan applications and service requests efficiently and within the agreed SLAs.
• Ensure completion and maintenance of the required departmental MIS on an ongoing basis.
• Ensure that all approved loans and proposal‑related documents are complete and stored in the common folder system to safeguard any missing or misplaced documents.
• Be able to work in pressure conditions without compromising on the credit underwriting quality.
• Perform any additional job‑related tasks, projects as and when assigned by Line Manager.

Qualifications & Experience

• Minimum education: Bachelor’s degree preferably in Finance/Banking/Commerce.
• Experience: Minimum 5-7 years in Corporate/SME Credit or Banking experience.