AVP & Lead, Credit Management, Industrial & Manufacturing

Role Overview

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

Role Purpose

To contribute to end-to-end credit analysis, including underwriting, credit pack preparation, approval recommendations, and post-approval monitoring, in line with the Bank's risk appetite, sector strategy, and regulatory requirements. The position works closely with senior Credit colleagues, Relationship, Product, Risk, and Legal teams on a range of financing structures while operating within established credit frameworks.

Key Responsibilities

Credit Analysis & Assessment

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

Structuring & Facility Management

• Support structuring of facilities such as term loans, revolving facilities, and guarantees, ensuring alignment with approved risk parameters.
• Support sector-specific portfolio management, including credit reviews, covenant monitoring, and account conduct oversight.

Portfolio Monitoring & Reporting

• Track financial performance and risk indicators across assigned accounts.
• 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 & Development

• Collaborate with Coverage and Product teams on credit assessments and client meetings.
• 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 of 6 years' experience in banking, including at least 3 years focused on credit analysis or risk roles.
• Experience ideally 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.