AVP & Lead- Credit Management (Emiratised Role)

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FAB is seeking an AVP & Lead- Credit Management in Abu Dhabi for an Emiratised role. The position leads credit facility preparation and approvals, manages a commercial credit portfolio, and monitors early warning indicators while driving MIS and system checks. Most important are deep credit judgment, risk assessment, and the ability to work with business units to maintain high asset quality within the delegation framework. To apply, tailor your CV to 5+ years in banking with at least 5 in credit, emphasize approval experience and portfolio management, and note your education. If UAE national status applies, highlight eligibility and provide quantified impact examples.

Company Description

Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting & dynamic industry. 

Job Description

JOB PURPOSE:

Prepare, recommend, gain approval for and advise outcome of the approving authority’s decision to units submitting credit facility applications and other transaction or one-off requests pertaining to Commercial Banking Customers.

KEY ACCOUNTABILITIES:

• Responsible for preparing /processing all credit related issues / requests originating from business units and conducting comprehensive analysis & assessment of such requests, based on which recommendations to be made for approval / rejection by appropriate approving authority or as applicable decisions to be provided based on delegation matrix; with the objective of ensuring that only high-quality assets are booked.
• Manage a portfolio of accounts and undertake regular follow-up with Business units on normal credit facility accounts where follow-up is required according to the terms of credit approval to ensure compliance. Also undertake monitoring on early warning cases and take updates from Business units to safeguard the interest of the bank and have follow-up on client commitments. 
• Undertake additional projects to support the Credit Team activities.
• Undertake additional responsibilities, including system checks, MIS reports etc as directed by Credit Head.

Qualifications

Minimum education required:

• Bachelor’s degree level in accountancy / commerce / economics / finance with Master’s degree being an added benefit.

Experience:

• About 5-8 years banking experience of which at least 5 years in Credit