AVP & Lead, Credit Management

Role Overview

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

Role Purpose

Enable assessment and credit decisions relating to credit facilities and mortgage loans within agreed Service Level Agreements.

Key Responsibilities

Credit Analysis & Decision-Making

• Analyze high-ticket self-employed and rental-backed mortgage proposals.
• Prepare and present credit memos for escalation of high-ticket self-employed and rental-backed mortgage cases, documenting risks, deviations, mitigants, and recommendations.
• Interpret policies and ensure proper credit analysis to improve asset quality.
• Minimize credit risk through effective risk review.

Underwriting Quality & Compliance

• Ensure underwriting quality and portfolios remain within the bank's risk appetite.
• Maintain underwriting standards and prudent Delegation of Authority usage.
• Review and resolve quality checks.
• Ensure compliance with policies and documentation requirements.
• Ensure all Know Your Customer documentation and compliance meet C2P2 requirements prior to approval.
• Ensure verification and processes follow policy guidelines and Standard Operating Procedures.
• Maintain minimal error rates and audit observations.
• Monitor and report policy exceptions and loan booking trends.

Team Management & Operational Performance

• Manage underwriting team performance.
• Support underwriting flow through guidance to team members.
• Ensure prompt Customer Approval System approvals within Delegation of Authority.
• Ensure Service Level Agreement turnaround time compliance.
• Supervise and maintain tracking systems for periodic reports.
• Manage Credit Initiation team for Mortgage Underwriting to support the bank's risk tolerance and asset growth objectives.
• Lead the Credit Secured Products department to achieve assigned objectives through performance management, staff development, and motivation.

Operational Excellence & Efficiency

• Improve turnaround time and operational efficiencies.
• Create effective workflows for processing and tracking files.
• Participate in automation and efficiency initiatives.
• Support automation initiatives and system changes.
• Enhance use of technology to improve efficiency and effectiveness.
• Execute tasks assigned by Line Manager in a timely manner.

Policy Implementation & Risk Management

• Ensure exception approvals beyond policy or scoring cut-offs are taken at the appropriate authority level with clear justifications.
• Ensure effective implementation of Credit & Collections Personal Banking policies, procedures, and controls, meeting procedural and legislative requirements within agreed turnaround time while delivering quality customer experience.

Stakeholder Management

• Establish strong working relationships with key stakeholders including collections, remedial management, product, and segment teams.

People Management

• Define goals and Key Performance Indicators; ensure implementation of FAB performance management process.
• Implement Manager Scorecard responsibilities including engagement, performance, and mandatory learning.
• Act as role model and drive adherence to organizational values and ethics.

Reporting

• Ensure all department reports are prepared timely, accurately, and in line with Group requirements and quality standards.

Qualifications & Experience

• Bachelor's degree in Business, Finance, Accounting, Economics, Commerce, or related discipline (preferred).
• Minimum 6 years relevant banking experience.
• At least 3 years in a similar role.
• Experience in team and process management.