Specialist, Credit Management

Role Overview

Specialist, Credit Management at First Abu Dhabi Bank, located in Abu Dhabi, United Arab Emirates.

Company Overview

First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. FAB offers a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. The organization is committed to excellence and innovation in providing top-tier financial solutions. FAB is part of a Group Credit – Business Banking framework and operates with a performance-based culture that emphasizes customer focus, innovation, and employee development.

Role Purpose

Conduct detailed credit assessment and approval of credit applications for business or investment financing secured against residential and/or commercial real estate. 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). Manage allocated client portfolios through ongoing monitoring, annual reviews, and engagement with business counterparts to address credit-related issues while maintaining high underwriting standards.

Key Responsibilities

Credit Assessment & 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 and collateral details 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 sufficient repayment capacity.
• Work out credit risk rating and check RAROC of the customer as per the bank's portals.
• Analyse Client's credit history, credit reports and system checks.

Portfolio Management & Monitoring

• Manage the allocated portfolio of clients in terms of 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.
• Review excess rental release requests from clients after reviewing the rental register and rental collection account.

Client Engagement & Stakeholder Management

• Actively engage with senior business counterparts including Area Managers and Executive Directors to ensure proposed facilities are adequately structured to meet client expectations within the bank's underwriting standards.
• Accompany business counterparts to client meetings to develop better understanding of the client and proposed credit facility.
• Work in coordination with other stakeholders such as Credit Administration, Collections and Operations.
• Take up non-compliance of terms and conditions with business.

Restructuring & Deferral Management

• Review and analyse restructuring requests from existing loan customers and recommend in line with the bank's policy and TM-RAC.
• Review and approve deferral or waiver requests given by existing customers and recommend keeping in mind the credit risk involved.

Documentation & Compliance

• Ensure completeness and accuracy of documentation submitted with credit requests 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 against missing or misplaced documents.
• Adhere to and comply with departmental policies, standard operating procedures and practices.
• Exhibit consistency with organization's values and ethics at all times to demonstrate a value-driven culture within the bank.
• Have in-depth understanding of regulatory and internal bank policies.

Process & Administrative Management

• Process loan applications and service requests efficiently and within agreed SLAs.
• Ensure completion and maintenance of required departmental MIS on an ongoing basis.
• Contribute towards continuous improvement and sustainability of policies, systems, processes and methods in line with changing needs and requirements.

General Duties

• Exhibit good communication and writing skills when preparing and submitting credit proposals to approving authorities within the bank.
• Demonstrate 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.
• Operate within the framework of Group Credit – Business Banking and applicable policies.

Qualifications & Experience

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

Additional Information

• Decision-making authority, if applicable, will be stipulated as per the delegation matrix.