Senior Credit Manager

Role Overview

Senior Credit Manager – Wholesale Banking at ADIB, based in Abu Dhabi/Dubai, UAE.

Role Purpose

Review and evaluate credit applications for Wholesale Banking, assessing individual credit requests for new and existing corporate clients. Ensure all applications align with ADIB credit policies, procedures, Treasury Management/Risk Appetite Criteria, and legal regulations. Present credit recommendations to Senior Credit Officers.

Key Responsibilities

Credit Review & Analysis

• Review all new finance requests, annual reviews, and interim requests, and provide credit recommendations.
• Evaluate individual credit requests for new and existing corporate clients.
• Ensure facilities purpose and structure align with customer's financing requirements and repayment capacity.
• Optimize risk-return trade through efficient collaterals, financial covenants, and terms and conditions.
• Ensure appropriate risk and mitigation analysis is in place.
• Verify that primary and secondary sources of repayment have been adequately identified, addressed, and can withstand tenor on base and stressed case scenarios.

Compliance & Policy Governance

• Ensure all credit and other applications and requests submitted from Business are in line with ADIB credit policies and procedures, Treasury Management/Risk Appetite Criteria, and other legal regulations.
• Highlight deviations to the Regional Risk Manager and ensure that appropriate justification and mitigants are in place.
• Ensure strict compliance with bank's credit policies, procedures, central bank laws, and regulations.

Stakeholder & Client Engagement

• Establish effective communication with Business to understand client needs and ensure that dealing due diligence (qualitative and quantitative) is robust.
• Conduct joint customer site visits with Regional Risk Manager when required to evaluate the quality of management, operation, and credit worthiness.

Portfolio Monitoring & Remediation

• Monitor early warning indicators to identify potential problematic accounts.
• Report trigger breaches to the Regional Risk Manager and prepare minutes for red flag meetings.
• Monitor post disbursement, past dues, and TOD reports.
• Oversee collection of past due accounts in coordination with the business team.
• Manage delinquencies by recommending rescheduling or restructuring of facilities or transferring the account to Asset Remedial Management.

Risk & Control

• Prepare and update Risk & Control Self-Assessment (RCSA).
• Manage the quarterly credit self-assessment and control testing process and reporting for the unit, ensuring timely submissions and tracking of corrective action plans.
• Help prepare periodic portfolio reviews in line with scenario plan requirements and ongoing monitoring of action plans and triggers identified in the review.

Process & Governance

• Participate in projects that streamline and improve existing processes, including policy and process revisions.
• Arrange and manage process for greenlighting of new transactions.
• Undertake any other assignment given by Senior Credit Officers and Group Chief Credit Officer.

Qualifications & Experience

• Minimum of 8–10 years of Corporate Banking experience.
• Previous Corporate Banking/Credit experience preferred.
• Technical knowledge of Corporate Banking/Credit preferred.

Additional Information

• Open for UAE Nationals only.