AVP & Lead, Credit Management

Role Overview

AVP & Lead, Credit Management at First Abu Dhabi Bank (FAB), supporting credit preparation, assessment, structuring, and ongoing management of Transport & Logistics and Industrials & Manufacturing exposures across the UAE and selected international markets.

Role Purpose

To deliver end-to-end credit analysis, underwriting, and post-approval monitoring for Transport & Logistics and Industrials & Manufacturing credit exposures in line with the Bank's risk appetite, sector strategy, and regulatory requirements. The role works closely with senior Credit colleagues and Relationship, Product, Risk, and Legal teams on complex financing structures while operating within established credit frameworks.

Key Responsibilities

Credit Analysis & Underwriting

• Perform detailed credit analysis and risk assessment for sector-related transactions, including working capital financing, corporate-level debt, and structured asset financing.
• Prepare and write credit applications, financial analysis, and approval recommendations.
• Support structuring of facilities such as term loans, revolving facilities, and guarantees, ensuring alignment with approved risk parameters.

Portfolio Management & Monitoring

• Support sector-specific portfolio management, including credit reviews, covenant monitoring, account conduct oversight, and tracking financial performance and risk indicators.
• Maintain agreed credit processing timelines (SLAs) while ensuring accuracy and completeness of submissions.

Stakeholder Management & Collaboration

• Collaborate with Coverage and Product teams on credit assessments and client meetings.
• Contribute to responses for audit, regulatory, and internal review queries related to assigned transactions and portfolio accounts.

Governance & Compliance

• Ensure credit work adheres to Group Credit Policies, sector-specific underwriting standards, and Delegated approval frameworks.

Learning & Development

• Build and maintain understanding of UAE and global sector trends, including key regulatory and risk developments affecting the sector.
• Participate in internal discussions and training related to sector risk, underwriting standards, and portfolio trends.

Qualifications & Experience

• Bachelor's degree in Finance, Accounting, or a related field (mandatory).
• Professional qualification preferred: CA, CFA, CPA, or CAIA.
• Minimum 6 years' experience in banking, including at least 3 years focused on credit analysis or risk roles.
• Ideally 6 years' experience within the Transport & Logistics or Industrials & Manufacturing sectors.
• Ability to operate within established credit frameworks while exercising independent judgment.
• Preference given to candidates with underwriting and credit analysis experience specific to Transport & Logistics or Industrials & Manufacturing sectors.