Senior Credit Manager

Role: Senior Credit Manager for Wholesale Banking

Location: Abu Dhabi/Dubai, UAE      

Role purpose:  

• Responsible for reviewing credit applications for Wholesale Banking

• Evaluate individual credit requests (for new and existing) corporate clients

• Ensuring all credit and other applications / requests submitted from Business are in line with ADIB credit policies and procedures, TM / RACs and other legal regulations

• Present with recommendation to Senior Credit Officers

• Responsible for reviewing all new finance requests, annual reviews, Interim requests and providing credit recommendation. 

• Ensure that facilities purpose and structure are in line with customer’s financing requirements and repayment capacity; optimize the risk return traded through efficient collaterals, financial covenants and terms & conditions

• Establish effective communication with Business to understand the client’s needs and ensure that dealing due diligence (qualitative and quantitative) is robust

• Make sure appropriate risks/mitigation analysis is in place, primary & secondary sources or repayment have been adequately identified, addressed, and can withstand the tenor on base and stressed case scenarios.

• Ensure Credit Policy and TM/RAC adherence. Highlight deviations to the Regional Risk Manager and ensure that appropriate justification/mitigants are in place.

• Conduct joint customer site visits with Regional Risk Manager when required in order to evaluate the quality of the management/operation and credit worthiness.

• Monitor early warning indicators to identify potential problematic accounts. Report trigger breaches to the Regional Risk Manager. Prepare minutes to red flag meetings.

• Ensure strict compliance with bank’s credit policies and procedures and central bank laws and regulations.

• Monitor post disbursement, past dues and TOD reports and oversee collection of past due accounts in coordination with the business team. Manage delinquencies by recommending rescheduling / restructuring of facilities or transferring the account to Asset Remedial Management. 

• Participate in projects that streamline and improve existing processes including policy and process revisions.

• Prepare and update Risk & Control Self-Assessment (RCSA), manage the quarterly credit self-assessment / control testing process and reporting for the unit ensuring timely submissions and tracking of corrective active plan.

• Help prepare periodic portfolio reviews in line with scenario plan requirement and ongoing monitoring of action plan / triggers identified in the review. 

• Arrange and manage process for greenlighting of new transactions.

• Any other assignment given by SCO’s and GCCO

• Technical knowledge – Previous Corporate Banking / Credit experience preferred.

• Minimum of 8-10 years of Corporate Banking experience