Credit Manager, Underwriting, Mortgages

Role Overview

Credit Manager, Underwriting, Mortgages at First Abu Dhabi Bank (FAB), supporting UAE branches and Direct Sales Force (DSF) operations.

Role Purpose

Recommend new credit and extensions of credit facilities through analysis of financial documents and client creditworthiness, with key accountability for credit review of mortgage loans.

Key Responsibilities

Credit Analysis & Decision Support

• Develop proposals related to credit transactions and risks based on clients' financial information reviewed through related documents.
• Evaluate clients' credit data, information, and financial statements to determine the degree of risk associated with the account.
• Facilitate the decision-making process based on credit worthiness.
• Analyse clients' financial statements including bank statements and audited statements.
• Review clients' credit history to meet the bank's lending standards.
• Highlight credit risks and mitigants and ensure deviations are captured as per policy.
• Recommend proposals for approval to the Line Manager.
• Minimize risk by maintaining underwriting quality and ensure that the proposed amount is in line with bank policy.

Documentation & Compliance

• Ensure that credit documentation is complete for the purpose of facilitating the application process.
• Obtain approvals from delegated authority on documentation.
• Ensure completeness and correctness of documentation in order to avoid fraud.
• Ensure all system checks are performed correctly and reviewed as per process.
• Ensure information is correctly reflected in CAS before changing the stage to the next level for approval.
• Comply with audit requirements, internal and external reporting obligations in line with policy guidelines.
• Adhere to policies, processes, and procedures of FAB along with Central Bank Regulations.
• Ensure high standards of uniformity and consistency across FAB.

Exception & Timeline Management

• Manage the exception level (insufficient/deferred security documents and exception reports) efficiently and within specified standards and timelines.
• Process applications within agreed timelines.
• Perform EV and CPV where applicable.

Reporting & Performance

• Maintain timely and accurate productivity reports.
• Forward reports on a timely basis to reporting Manager.
• Define performance goals at the start of the year in discussion with the reporting manager.
• Ensure that goals are achieved during the course of the year.

Professional Development & Communication

• Identify training and development requirements for self and agree on them with the reporting manager.
• Ensure that required trainings are arranged and attended.
• Strive to achieve the highest levels of proficiency on all competencies and skills required to perform the role.
• Keep abreast of professional developments, new techniques, and current issues through related trainings.
• Maintain professionalism and effective communication with colleagues within the Unit and all other Departments.
• Adhere to individual duties and responsibilities at all times.
• Execute any other responsibilities entrusted by the Line Manager.

Authorization

• Take decisions as per the approved authorization matrix.

Qualifications & Experience

• Bachelor's degree in Business Administration, Management, Banking, or any related discipline.
• 3 years' relevant experience, including 1 year in a similar role.