Specialist, Credit - Mortgages

Role Overview

Specialist, Credit - Mortgages at First Abu Dhabi Bank (FAB), based in the UAE. The role forms a key part of Private Banking Credit, supporting UAE branches and the Direct Sales Force through mortgage loan credit review and the recommendation of new credit and credit facility extensions.

Role Purpose

Recommend new credit and extensions of credit facilities through rigorous analysis of financial documents and client data. Provide credit review support to ensure lending decisions are sound, documentation is complete, and all approvals align with bank policy and regulatory requirements.

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 decision-making based on credit worthiness.
• Analyze clients' financial statements, including bank statements and audited statements, and review clients' 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.
• 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 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.
• Process applications within agreed timelines.
• Perform EV and CPV where applicable.

Exception Management & Reporting

• Manage the exception level, including insufficient and deferred security documents and exception reports, efficiently and within specified standards and timelines.
• Maintain timely and accurate productivity reports and forward them on a timely basis to the reporting manager.

Governance & Compliance

• Ensure compliance 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 policies, processes, and procedures of FAB along with Central Bank Regulations.
• Maintain professionalism and effective communication with colleagues within the unit and all other departments.

Performance & Development

• 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.

Additional Duties

• Execute any other responsibilities entrusted by the Line Manager.
• Take decisions as per the approved authorization matrix.
• Adhere to individual duties and responsibilities at all times.

Qualifications & Experience

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