Vice President- Credit Management UAE National Only

Mashreq; Dubai; On-site; AED 420,000 - 660,000; Full time

Job summary

Mashreq in Dubai seeks an experienced credit professional to safeguard a sound loan portfolio, assess creditworthiness, and design facilities aligned with client needs and risk criteria. The role emphasizes developing a strong credit culture through guidance and training.

You will review policies regularly, support branch teams, and help manage relationships, requiring 10–15 years in lending with managerial exposure and excellent communication across industries.

Qualifications

• University graduate; MBA or equivalent preferred.
• 10–15 years lending experience with 4–6 years in management.
• Strong lending, analytical, and judgement skills across industries.
• Excellent written and verbal communication skills.

Responsibilities

• Maintain a sound loan portfolio and minimize losses.
• Evaluate borrowers' creditworthiness before facilities are approved.
• Review and update credit policies periodically.
• Assist Branch Managers to structure credit lines meeting client needs.
• Support Relationship Managers on calls to assess market conditions.

Skills

Credit analysis

Risk assessment

Lending experience

Communication skills

Education

MBA or equivalent

University degree

Job description

Job Description:

Job Purpose

• Ensure and maintain a sound loan portfolio hence, minimizing loan losses and maximizing return on assets and shareholders' equity.
• Recommend sound credit facilities after thorough evaluation of the credit worthiness and debt payment capacity of borrowers.
• Developing and spreading a credit culture within branch, through training, counselling and advising. Recommend action plans for overcoming observed weaknesses.
• Review credit policies and procedures on a periodical basis and recommend and implement changes where appropriate.
• Assist Branch Managers / Team Leaders to structure credit lines which meet the client’s business needs within acceptable risk criteria.

Key Result Areas

• Quality of loan portfolio, as measured by % of classified outstandings and hence, loan loss provisions, which has direct impact on Branch profitability.
• Volume of assigned portfolio.
• Minimize migration across risk grades.
• Early detection of warning signals to ensure timely corrective action.
• Maintain targeted turn around time.
• Volume of credit proposals processed.
• Minimize % of proposals returned / rejected by HO, which is a direct reflection of the quality of the proposals.
• Accompany Relationship Managers / Team Leaders on calls where necessary, to maintain an awareness of market and business conditions.

Knowledge, Skills and Experience

• University Graduate. MBA or equivalent is preferred.
• Minimum 10 - 15 years lending experience, of which 4 - 6 years at managerial level.
• High degree of lending skills (credit, analytical, judgement) across various industries / lines of business (Trade, Contracting, Industry).
• Excellent written / verbal communication skills.