Vp Credit Management

1 month ago

Dubai, United Arab Emirates First Abu Dhabi Bank Full time


JOB PURPOSE:

The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for a portfolio of CBG - Abu Dhabi clients CCB Dubai/NE clients . The role also entails compliance with all credit policies and guidelines.

KEY ACCOUNTABILITIES:

This section shall not be customized to reflect accountabilities which may be unique to one role. Please use Section 5 to capture any accountabilities specific to the role which are over and above those mentioned in this section.

Generic Accountability

\xc2\xb7 Guide a team of analyst to ensure robust credit analysis is being conducted and appropriate approvals are obtained within the bank in timely fashion.

\xc2\xb7 To complete due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensures that emerging risk factors are identified which are addressed by the Term Sheets developed by Product team.

\xc2\xb7 Provide initial feedback at GLM stage and ensure that appropriate Risk Acceptance Criteria and CIB GCP guidelines are followed as part of GLM approval process.

\xc2\xb7 Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.

\xc2\xb7 Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.

\xc2\xb7 Participate in (large, complex) client relationships through client visits / conference calls as part of transaction initiation and monitoring

\xc2\xb7 Guides Corporate & Investment Commercial Banking Departments /Global Banking- Corporate Finance with different ways to optimum utilization of credit facilities by the corporate customers without compromise on credit quality.

\xc2\xb7 Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.

\xc2\xb7 Ensure accuracy of data being presented to various stakeholders including senior management

\xc2\xb7 Obtain accurate and current information and update the Risk systems (Risk rating models / TOAs, etc) that allow for accurate identification of risk profiles/ratings in all asset categories.

\xc2\xb7 Recommend amendments to the Bank\'s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank\'s risk strategy & policy

Job Specific Accountabilities

\xc2\xb7 Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to Credit Committee for prospective and existing clients under assigned portfolio

\xc2\xb7 Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.

\xc2\xb7 Ensure credit processing & approval turnaround times as per agreed SLAs with CCB team.

\xc2\xb7 Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients

\xc2\xb7 Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.

\xc2\xb7 Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.

\xc2\xb7 Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.

FRAMEWORKS, BOUNDARIES, & DECISION MAKING AUTHORITY:

\xc2\xb7 Functions within the framework and boundaries of Group policies as well as overall organisational and governance frameworks.

\xc2\xb7 Authorised to take decisions as per the approved authorisation matrix.

Qualifications

QUALIFICATIONS & EXPERIENCE:

Minimum Qualification

\xc2\xb7 Must have Bachelor\'s degree.

\xc2\xb7 Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree or diploma.

Minimum Experience

\xc2\xb7 10 years\' relevant experience in the banking sector with at least 7years in similar positions of progressively increasing managerial responsibilities in the Credit function.

First Abu Dhabi Bank

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