AVP & Lead, Credit Management (Large Corporates)

First Abu Dhabi Bank (FAB); Manama; On-site; BHD 15,000 - 20,000; Full time

Job summary

A leading financial institution in Manama seeks a Credit Analyst to prepare and review credit facilities for Large Corporates. The role involves coordination with relationship managers and compliance with credit policies. Candidates should have 5+ years of banking experience, with proficiency in credit management. A Bachelor's degree is required, while an MBA or Chartered Accountant qualification is desirable.

Qualifications

• Must have a Bachelor's degree.
• 5 years’ relevant experience in the banking sector.
• Experience in Credit Management of Large Corporates.

Responsibilities

• Prepare and submit Credit Applications.
• Conduct necessary client visits and due diligence.
• Coordinate with Relationship Managers for annual reviews.
• Ensure compliance with approval conditions.
• Monitor accounts regularly for potential problems.
• Review exception and portfolio reports.
• Ensure accuracy of data for stakeholders.

Skills

Credit Management

Financial Analysis

Risk Assessment

Education

Bachelor’s degree

Chartered Accountant/Master in Business Administration (MBA)

Job description

Company Description

First Abu Dhabi Bank is an inclusive environment where each person values the experiences, perspectives, ideas and beliefs of others. We’re in a unique position to learn from all our colleagues, combining international experience with deep cultural knowledge and local expertise. At FAB, you’ll have the support of your team and a strong relationship with your line manager, who will trust you with responsibility and recognize your good performance. As we embrace different ways of seeing the world, listening to each other and respecting different viewpoints, we grow stronger – together.

Job Description

Job Purpose

The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for a portfolio of Large Corporate. The role also entails compliance with all credit policies and guidelines.

Key Accountabilities

• Ensure timely preparation and submission of Credit Applications and conduct necessary client visits and due diligence in coordination with the coverage team.
• Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
• Ensure and maintain credit processing & approval turnaround times as per agreed SLAs.
• Monitor accounts regularly and follow‑up with Business units on terms and conditions to ensure compliance with the approval conditions.
• Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
• Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
• Ensure accuracy of data being presented to various stakeholders including senior management.

Qualifications

Minimum Qualification

• Must have Bachelor’s degree.
• Desirable: Chartered Accountant/Master in Business Administration (MBA).

Minimum Experience

• 5 years’ relevant experience in the banking sector with at least 3 years in similar positions of progressively increasing responsibilities in the Credit function.
• Experience in Credit Management of Large Corporates.