Credit Review Manager - abu dhabi - ADIB Group

    ADIB Group
    ADIB Group abu dhabi

    1 day ago

    Description

    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 ADIBs 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 clients 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 banks 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.
    Required Experience
    Manager
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