Role : Credit Review Manager
Location : Abu Dhabi
Role Purpose:
- Process credit applications / requests for Project & Structured Finance within Wholesale Banking Group (WBG) and International Business Group (IBG).
- Make balanced credit decisions and provide an independent view regarding proposed business transactions
- Communicate and adhere to ADIB’s risk culture, risk appetite and tolerance, risk policies, practices, procedures and risk limits
Key Accountabilities of the role
- Review and approve, new finance requests, annual reviews, CCRs within DLA and provide credit recommendations to higher approving authorities for requests in excess of DLA
- Establish effective communication with Business to understand the client’s needs and ensure that deal due diligence (qualitative and quantitative) is robust
- Ensure that facilities purpose and structure are in line with customers’ financing requirements and repayment capacity; optimize the risk return trade off through efficient collaterals, financial covenants and terms & conditions
- Make sure appropriate risks / mitigation analysis is in place, primary & secondary sources of repayment have been adequately identified, addressed, and can withstand the tenor on base and stressed case scenarios.
- Ensure Credit Policy and TM/RAC adherence and ensure that appropriate justification/mitigants are in place
- Ensure strict compliance with bank’s credit policies and procedures and central bank laws and regulations
- Conduct joint customer site visits when required in order to evaluate the quality of the management / operation and credit worthiness
- Monitor post disbursement, past dues and TOD reports and oversee collection of past due accounts in coordination with the business team
- Participate in projects that streamline and improve existing processes including policy and process revisions
- Any other special assignment given by line manager / GCCO
Specialist Skills / Technical Knowledge Required for this role:
- 3-5 years of Corporate Banking / credit experience
- At least 3 years of local/regional market experience
- Good working knowledge of banking products
- Numerical and detail oriented
- Degree in Business Administration/Finance/Accounting
UAE Nationals are encouraged to apply for this role.