Specialist, Credit - Real Estate

First Abu Dhabi Bank FAB; Abu Dhabi; On-site; AED 250,000 - 420,000; Full time

Job summary

First Abu Dhabi Bank FAB in Abu Dhabi seeks a Senior Corporate Credit Analyst to conduct detailed credit assessments and approve financing for business loans and real estate-backed facilities. The role emphasizes rigorous TM-RAC analysis and adherence to bank policy, with close interaction across senior business units.

The candidate will review audited financial statements, cash flow, and collateral details to ensure accurate underwriting, while maintaining risk controls and timely loan

Qualifications

• Bachelor's degree in Finance/Banking/Commerce.
• 5-7 years in Corporate/SME Credit or Banking.
• Experience in credit underwriting and risk assessment.

Responsibilities

• Review loan proposals and assess credit risk to ensure alignment with policies.
• Manage allocated portfolio with timely reviews, covenants, and delinquencies.
• Collaborate with stakeholders to ensure complete documentation and compliance.

Skills

Credit analysis

Financial statement analysis

Underwriting

Regulatory knowledge

Education

Bachelor's degree in Finance/Banking/Commerce

Job description

Job Purpose

Conduct detailed credit assessment and approval of credit applications seeking financing for business or investments and secured against residential and or commercial real estate The key purpose is to determine whether the borrower is eligible for financing and the requested credit facility is in line with the bank s risk appetite and Target Market Risk Acceptance Criteria TM-RAC Analysis of Audited Financial Statements is the key skill required

Key Accountabilities

Review Analyse amp Recommend loan proposals keeping in mind the approved credit policies procedures and market dynamics to produce high quality of credit assessment memos for underwriting purposes Manage the allocated portfolio of clients in terms of timely annual reviews monitoring delinquencies early warnings adherence to covenants documentary deferrals etc and actively engage with the respective business counterparts on regular basis to address any credit related issues for the allocated portfolio Given the High Networth and sensitive nature of the clientele actively engage with the senior business counterparts Area Managers Executive Directors etc to ensure that the proposed facility is adequately structured to meet the clients expectations within the bank s underwriting standards Accompany the business counterparts to client meetings and to develop better understanding of the client and the proposed credit facility Adhere to amp comply with departmental policies standard operating procedures and practices so that the work is carried out in a smooth amp methodical manner Exhibit consistency with organization s values and ethics at all times to demonstrate a value driven culture within the bank Contribute towards continuous improvement and sustainability of policies systems process and methods in line with changing needs and requirements so as to efficiently carry out the duties Have in-depth understanding of regulatory and internal bank policies Exhibits good communication amp writing skills when preparing amp submitting credit proposals to approving authorities within the Bank

Job Context

Analyse Client s audited financial statements bank statements Rental Roll Reports Collateral Details etc look into client s credit history credit reports system checks to meet bank s lending standards In depth analysis of borrower s financial ratios like profitability solvency cashflow debt service coverage ratios etc in order to ensure error free underwriting and ensuring that the borrower has sufficient repayment capacity to repay the proposed loan facilities Review amp analyse re-structuring requests from the existing loan customers and recommend in line with the bank s policy TM-RAC To work out the credit risk rating and check RAROC of the customer as per the bank s portals Ensure completeness amp accuracy of documentation submitted with the credit request in order to avoid fraud and or delinquency in the future To review the excess rental release request of the clients after reviewing the rental register and rental collection account To work in co-ordination 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 the existing customers and recommend the same keeping in mind the credit risk involved Process the loan applications and service requests efficiently and within the agreed SLAs Ensure completion and maintenance of the required departmental MIS as required on ongoing basis Ensure that all the approved loans and proposal related documents are complete and stored in the common folder system to safeguard any missing or misplaced documents To be able to work in pressure conditions without compromising on the credit underwriting quality To perform any additional Job-Related tasks projects as and when assigned by Line Manager

Minimum Education required

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