Job 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 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.