Specialist, Credit Management

Role Overview

Specialist, Credit Management at First Abu Dhabi Bank (FAB), based in the UAE. The role forms a key part of PB Credit by recommending new credit and extensions of credit facilities through analysis of financial documents and provides support to the UAE branches and DSF.

Role Purpose

Analyze financial documents and client creditworthiness to recommend new credit and extensions of credit facilities, with key focus on credit review of mortgage loans. Support the UAE branches and DSF in the credit decision-making process.

Key Responsibilities

Credit Analysis & Assessment

• 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 and facilitate the decision-making process based on creditworthiness.
• Analyze client's financial statements – bank statements and/or audited statements – and review client's credit history to meet 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.
• 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 and obtain approvals on the same from delegated authority.
• 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.
• Ensure compliance with audit requirements, internal and external reporting obligations in line with policy guidelines to maintain high standards of uniformity and consistency across FAB.
• Adhere to policies, processes, and procedures of FAB along with Central Bank Regulations.

Operations & Workflow Management

• Manage the exception level (insufficient/deferred security documents and exception reports) efficiently and within the specified standards and timelines.
• Ensure applications are processed within agreed timelines.
• Perform EV and CPV where applicable.
• Maintain timely and accurate productivity reports and forward them on a timely basis to the reporting manager.

Professional Development & Self-Management

• Define performance goals at the start of the year in discussion with the reporting manager and ensure that 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.