AVP & Lead, Credit Management

Role Overview

AVP & Lead, Credit Management at First Abu Dhabi Bank - FAB, based in the UAE.

Role Purpose

To support the preparation, assessment, structuring, and ongoing management of Real Estate and Hospitality credit exposures across the UAE and selected international markets. The role contributes to end-to-end credit analysis, including underwriting, approval recommendations, and post-approval monitoring, in line with the Bank's risk appetite, sector strategy, and regulatory requirements.

Key Responsibilities

Credit Analysis & Assessment

• Perform detailed credit analysis and risk assessment for real estate and hospitality financing, including IPRE, Development and Construction finance, and Hospitality assets.
• Prepare credit applications, financial analysis, and approval recommendations.
• Build and maintain understanding of UAE and regional real estate and hospitality market trends and key regulatory and risk developments affecting the sector.

Structuring & Facility Management

• Support structuring of facilities such as term loans, revolving facilities, and guarantees, ensuring alignment with approved risk parameters.
• Assist in the management of a sector-specific credit portfolio, including Annual and interim credit reviews, monitoring of covenant compliance and account conduct, and tracking financial performance and key risk indicators.

Governance & Compliance

• Ensure credit work adheres to Group Credit Policies, Sector-specific underwriting standards, and Delegated approval frameworks.
• Maintain agreed credit processing timelines (SLAs) while ensuring accuracy and completeness of submissions.
• Contribute to responses for audit, regulatory, and internal review queries related to assigned transactions and portfolio accounts.

Stakeholder Collaboration

• Work collaboratively with Relationship Managers, Coverage and Product teams to support credit assessments and client discussions.
• Partner with senior Credit colleagues, Relationship Management, Product, Risk, and Legal teams on a range of financing structures.

Professional Development

• Participate in internal discussions and training related to sector risk, underwriting standards, and portfolio trends.
• Gain exposure to complex transactions while operating within established credit frameworks.

Qualifications & Experience

• Minimum Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Professional qualification preferred: CA, CFA, CPA, or CAIA.
• Minimum 6 years of banking experience with minimum 3 years in credit analysis or risk roles, preferably within Real Estate and/or Hospitality financing.
• Underwriting and credit analysis experience for regional and global real estate markets would be preferred.
• Ability to work within established credit frameworks while developing independent judgment.