Specialist, Credit Management

Role Overview

Specialist, Credit Management at First Abu Dhabi Bank (FAB), based in Abu Dhabi. The role conducts detailed credit assessment and approval of credit applications for business and investment financing secured against residential and/or commercial real estate.

Role Purpose

Determine borrower eligibility for financing and ensure the requested credit facility aligns with the bank's risk appetite and Target Market Risk Acceptance Criteria (TM-RAC). The position requires expert analysis of audited financial statements to produce high-quality credit assessments that support underwriting decisions.

Key Responsibilities

Credit Assessment and Analysis

• Review, analyse and recommend loan proposals in accordance with approved credit policies, procedures and market dynamics to produce high-quality credit assessment memos for underwriting purposes.
• Analyse client audited financial statements, bank statements, Rental Roll Reports, Collateral Details, credit history, credit reports and system checks to meet the bank's lending standards.
• Conduct in-depth analysis of borrower financial ratios including profitability, solvency, cash flow and debt service coverage ratios to ensure error-free underwriting and confirm sufficient repayment capacity.
• Work out the credit risk rating and check RAROC of the customer as per the bank's portals.

Portfolio Management and Monitoring

• Manage the allocated portfolio of clients through timely annual reviews, monitoring delinquencies, early warnings, adherence to covenants and documentary deferrals.
• Actively engage with respective business counterparts on a regular basis to address credit-related issues for the allocated portfolio.
• Work in coordination with other stakeholders such as Credit Administration, Collections and Operations, and take up with business in case of non-compliance of terms and conditions.

Client Engagement and Relationship Management

• Engage actively with senior business counterparts including Area Managers and Executive Directors to ensure the proposed facility is adequately structured to meet client expectations within the bank's underwriting standards.
• Accompany business counterparts to client meetings and develop a better understanding of the client and the proposed credit facility.

Restructuring, Deferrals and Special Requests

• Review and analyse restructuring requests from existing loan customers and recommend in line with the bank's policy and TM-RAC.
• Review excess rental release requests from clients after reviewing the rental register and rental collection account.
• Review and approve deferral or waiver requests given by existing customers and recommend the same keeping in mind the credit risk involved.

Documentation and Compliance

• Ensure completeness and accuracy of documentation submitted with the credit request in order to avoid fraud and/or delinquency in the future.
• Ensure that all approved loans and proposal-related documents are complete and stored in the common folder/system to safeguard any missing or misplaced documents.
• Adhere to and comply with departmental policies, standard operating procedures and practices so that work is carried out in a smooth and methodical manner.
• Maintain in-depth understanding of regulatory and internal bank policies.

Operations and Reporting

• Process loan applications and service requests efficiently and within the agreed SLAs.
• Ensure completion and maintenance of the required departmental MIS on an ongoing basis.
• Exhibit good communication and writing skills when preparing and submitting credit proposals to approving authorities within the bank.

Culture and Continuous Improvement

• Exhibit consistency with the organization's values and ethics at all times to demonstrate a value-driven culture within the bank.
• Contribute towards continuous improvement and sustainability of policies, systems, processes and methods in line with changing needs and requirements so as to efficiently carry out the duties.
• Maintain ability to work in pressure conditions without compromising on credit underwriting quality.
• Perform any additional job-related tasks and projects as assigned by Line Manager.

Qualifications & Experience

• Bachelor's degree, preferably in Finance, Banking or Commerce.
• Minimum 5–7 years of Corporate/SME Credit or Banking experience.