Specialist, Credit Management

Role Overview

Specialist, Credit Management at First Abu Dhabi Bank (FAB), based in the UAE.

Role Purpose

This role forms a key part of PB Credit by recommending new credit and extensions of credit facilities through analysis of financial documents and providing support to UAE branches and DSF. Key accountabilities include credit review of mortgage loans.

Key Responsibilities

Credit Analysis & Proposal Development

• Develop proposals related to credit transactions and risks based on clients' financial information reviewed through related documents.
• Evaluate clients' credit data and information and financial statements to determine the degree of risk associated with the account and facilitate the decision-making process based on creditworthiness.
• Analyse client's financial statements – Bank Statements and/or Audited Statements – and review client's credit history to meet the bank's lending standards.
• Highlight credit risks and mitigants and ensure deviations are captured as per policy while recommending proposals for approval to the Line Manager.

Documentation & Compliance

• Ensure that credit documentation is complete for the purpose of facilitating the application process and obtain approvals from delegated authority.
• Ensure completeness and correctness of documentation 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 to ensure high standards of uniformity and consistency across FAB.
• Adhere to FAB policies, processes and procedures along with Central Bank Regulations.

Risk Management & Quality Assurance

• Manage exception levels (insufficient/deferred security documents and exception reports) efficiently and within specified standards and timelines.
• Minimize risk by maintaining underwriting quality and ensure that the proposed amount is in line with bank policy.
• Perform EV and CPV where applicable.

Operations & Reporting

• Ensure timely and accurate productivity reports are maintained and forwarded to the reporting manager on a timely basis.
• Ensure processing of applications within agreed timelines.

Professional Development & Self-Management

• Define performance goals at the start of the year in discussion with the reporting manager and ensure that the goals are achieved during the course of the year.
• Identify training and development requirements for self and agree on them with the reporting manager to 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.

Stakeholder Management

• 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.

Qualifications & Experience

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