AVP & Lead, Credit Management

Role Overview

AVP & Lead, Credit Management at First Abu Dhabi Bank (FAB). The role is based within Wealth Banking and focuses on credit ownership and portfolio management.

Company Overview

First Abu Dhabi Bank's Wealth Banking division aims to become a market leader across the GCC in the priority banking arena. The segment serves High Net Worth Individuals and all of their group entities representing diverse interests ranging from operating businesses to a wide range of investment needs across various asset classes.

Role Purpose

To take credit ownership from underwriting to obtaining necessary approvals for the assigned portfolio of clients within Wealth Banking. The role ensures all propositions are in compliance with Group Credit Policy and guidelines, provides guidance and expertise across the full spectrum of product offerings, and works with Coverage & Product teams to structure and propose solutions that meet both client needs and Bank requirements in a swift and expeditious manner.

Key Responsibilities

Credit Management & Approval

• Own credit decisions from underwriting through to obtaining necessary approvals for assigned clients.
• Ensure all propositions comply with Group Credit Policy and guidelines.
• Provide guidance and expertise across the full spectrum of product offerings.

Stakeholder Engagement & Structuring

• Engage with Coverage & Product teams to structure and proposition offerings.
• Engage with clients where necessary to meet client needs and Bank requirements.
• Demonstrate solution-oriented mindset with out-of-the-box thinking while maintaining high standards of credit.

Risk & Collateral Management

• Apply thorough understanding of collateral valuation and monitoring processes.
• Demonstrate good understanding of documentation and legal requirements for different types of credit facilities.

Qualifications & Experience

Education

• Bachelor's degree (required).
• Desirable: Chartered Accountant, Masters in Business Administration (MBA), other relevant finance degree, or professional certification charter (CFA/FRM, etc.), or diploma.

Professional Experience

• Minimum 10 years relevant experience in the banking sector.
• Minimum 4–5 years in Credit function.

Technical Knowledge

• Expert knowledge of various credit products including Lombard lending, Real Estate financing, FX, and Derivatives.
• Expert knowledge of various investment products including bonds, sukuks, stocks, mutual funds, and structured notes.
• Hands-on knowledge of capital market products, derivatives, and margin requirements.
• Ability to look into and beyond Personal Net Worth Statements and financials to understand the business proposition.
• Strong structuring skills.
• Good understanding of legal and regulatory framework.

Skills & Competencies

• Deep knowledge of products, industry, markets, and financial statements to work across all product groups and respond in a timely manner.
• Strong initiative and interactive approach to problem-solving.
• Flexibility and independence in a demanding environment.
• Strong partnership orientation, as a member of the second line of defense.
• Ability to work under pressure.
• Strong communication skills—written and spoken.