Senior Credit Manager

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ADIB is seeking a Senior Credit Manager for Wholesale Banking in Abu Dhabi or Dubai, on-site in the UAE, and this opening is limited to UAE Nationals. The role requires 8 to 10 years in Corporate Banking and a proven ability to review credit applications for new and existing corporate clients, ensuring compliance with ADIB credit policies, TM/RACs, and relevant regulations. You will present recommendations to Senior Credit Officers, manage facility structuring, due diligence, risk assessment, and collateral optimization, and monitor post-disbursement performance while coordinating with the business team. To apply, tailor your CV to showcase concrete examples of credit leadership, governance, and successful risk mitigations, plus strong stakeholder collaboration and regulatory acumen.

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

Key accountabilities of the role:

• 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.

Previous experience:

• Minimum of 8-10 years of Corporate Banking experience 

This position is open for UAE Nationals only.