AVP & Lead, Credit Management

Role Overview

AVP & Lead, Credit Management at First Abu Dhabi Bank (FAB).

Role Purpose

Prepare, recommend, and gain approval for credit facility applications and transaction requests from Commercial Banking customers. Advise business units of approving authority decisions and ensure only high-quality assets are booked.

Key Responsibilities

Credit Analysis & Approval

• Prepare and process all credit-related issues and requests from business units.
• Conduct comprehensive analysis and assessment of credit facility applications and one-off requests.
• Make recommendations for approval or rejection by appropriate approving authority based on delegation matrix.
• Ensure high-quality asset booking standards.

Portfolio Management

• Manage a portfolio of accounts.
• Undertake regular follow-up with Business Units on normal credit facility accounts according to credit approval terms.
• Ensure compliance with facility terms.

Monitoring & Risk Management

• Undertake monitoring on early warning cases.
• Take updates from Business Units to safeguard bank interests.
• Follow up on client commitments.

Operational Support

• Undertake additional projects to support Credit Team activities.
• Perform system checks and MIS reports as directed by Credit Head.
• Take on additional responsibilities as assigned.

Qualifications & Experience

Education

• Minimum: Bachelor's degree in Accountancy, Commerce, Economics, or Finance.
• Added benefit: Master's degree.

Experience

• Approximately 5 to 8 years of banking experience.
• At least 5 years in Credit.

Skills & Competencies

• Knowledge of risk analysis and assessment.
• Extended experience in financial statement analysis with ability to identify weaknesses and strengths.
• Ability to resolve credit risk-related queries and problems from Business Units or other departments.
• Good computer skills for job performance, analysis, and memo writing.
• Very good writing skills with ability to provide concise and precise information as required by Management.
• Ability to process volume of applications with variable amounts and complexities.
• In-depth analytical capability and ability to maintain quality standards within given time frames.