Head of Credit Risk Review

Found in: beBee S AE - 3 days ago


United Arab Emirates Abu Dhabi Islamic Bank Full time
Role : Head of Credit Risk Review
Location : Abu Dhabi - ADIB HQ

Role Purpose:

The Risk Governance and Risk Policy team is primarily responsible for supporting the GCRO on:


  • The end-to-end risk management and governance for Risk Committees, and other governing bodies
  • Policy Management and regulatory governance programmes and special projects and initiatives
  • Providing independent oversight and assurance on the Credit Risk Management Framework

This role reports to Head of Risk Governance and Risk Policy


Key Accountabilities of the role

Develop and manage the Credit Risk Review Programme which assesses the Credit Risk Management Framework, including the ongoing monitoring of the quality of the various credit portfolios and activities creating direct and indirect credit risk, assessing adherence to policies and procedures and compliance with legal and regulatory requirements, and evaluate results to determine if issues exist and improvement recommendation are required.


  • Coordinate with the Risk Management team the development of Credit Risk Review objectives and establish a Credit Risk Review Policy and Procedure(s) to address relevant Credit Risks.
  • Manage the development and execution of Credit Risk Review’s annual plan, including monitoring of annual plan progress and changes.
  • Perform continuous monitoring of credit portfolios regarding the identification, measurement, and management of Credit Risk and document and communicate findings to senior management and the Board.
  • Lead credit risk reviews to independently assess and challenge the application and sufficiency of Credit Risk Policies and Procedures.
  • Evaluate the credit and financial strength of borrowers to determine if internal ratings and levels of credit exposure are acceptable.
  • Monitor adherence to documentation, limits and risk mitigants including review of covenants and perfection of collateral.
  • Verify the adequacy and completeness of credit files.
  • Ensure exams are performed in accordance with policies and procedures.
  • Prepare work papers, document review findings and conclusions.
  • Provide consultative feedback to auditees.
  • Lead the continuous improvement of Credit Risk Review tools and methodologies.
  • Identify and communicate emerging risk issues to enhance Credit Risk Management practices across the organisation.
  • Develop and train less experienced staff.
  • Performs other duties as assigned.

Specialist Skills / Technical Knowledge Required for this role:
  • Excellent communication, negotiation and stakeholder management skills
  • A team player with the ability to work on your own at times
  • High degree of personal accountability, quality, accuracy, integrity and trust
  • Attention to detail and the ability to prioritize and deliver in a fast paced and dynamic environment
  • Resilience and the ability to cope under pressure
  • Strong organisational skills and the ability to manage multiple assignments concurrently
  • A proactive approach to work, in terms of suggesting changes and improvements to processes
  • Commercial awareness and the ability to understand broad business issues
  • Good analytical and problem-solving skills
  • Competent leadership skills with the ability to guide staff

Previous experience:


  • Minimum of 15 years of work experience in credit risk management, credit portfolio management, underwriting, or review/quality control gained at a bank, rating agency, regulatory body or consulting
  • Experience in diverse sectors/products including corporates, financial institutions, commercial real estate, leasing, structured finance and retail lending
  • Strong working knowledge of risk and/or credit risk management and control frameworks
  • Solid understanding of review/audit concepts within planning, fieldwork, and reporting
  • Ability to articulate credit review opinions including where they diverge from 1LoD
  • Good understanding of credit/loan documentation
  • UAE working experience of 5+ years
  • Familiarity with the CB UAE regulatory regime pertaining risk management
  • Proficient with Microsoft Power Point, Excel, Word and Outlook



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