Svp & Head of Real Estate Credit - Consumer Banking

5 months ago

Abu Dhabi, United Arab Emirates First Abu Dhabi Bank Full time

**Job Description** JOB PURPOSE**:
The purpose of this role is to lead a team of credit analysts in the Consumer Banking Islamic credit underwriting function [Mortgage Loans] with the objective of taking credit ownership from underwriting to obtaining/providing necessary approvals for the clients. The role will also ensure all propositions are in compliance with Group Credit Policy, frameworks and guidelines. The role will also be expected to provide guidance and expertise across full spectrum of product offering(s) working with the Business & Product teams.

**KEY ACCOUNTABILITIES**:
**Generic Accountability**
- Ensure that appropriate Target Market Risk Acceptance Criteria, Product program parameters and Group Credit Policy guidelines are followed as part of credit approval process.
- Participate and represent credit in the due diligence process for prospective credit deals in collaboration with Business/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
- Conduct and guide a team of analyst(s), to conduct robust credit analysis and obtain/provide appropriate approvals.
- Advise Relationship Managers/Sales Teams/Branches on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
- Ensure timely availability of required information to senior management for credit and strategic decision making.
- Guide Sales/branch/distribution / Product teams on credit appetite and ways and means to optimize the same to achieve optimal risk-reward balance as per established guidelines.
- Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, credit risk rating, and documentation.
- Ensure accuracy of data being presented to various stakeholders including senior management
- Ensure sufficiently robust models & systems exist to capture the critical credit related information (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
- 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.
- Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented.

**Job Specific Accountabilities**
- Manage credit Initiation hubs for allocated facilities
- Mortgage loans (Conventional & Islamic) to ensure efficient and effective operations that support the risk tolerance of the Bank while also facilitating desired asset growth objective
- Oversee generation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio.
- Engage with the stakeholders from sales/distribution/branch & products units to steer the credit portfolio of the business segment in line with the Bank’s strategic and risk guidelines.
- Ensure credit processing & approval turnaround times as per agreed SLAs.
- Monitor the credit quality of the portfolio regularly and engage the senior management of business units regularly to ensure compliance with the approved framework.
- 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.
- Manage problem credits closely, and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
- Ensure asset classification and provisioning is in line with statutory and policy guidelines including any risk downgrades.
- Providing senior level advisory support on credit policies, lending structures, documentations and guidance to business heads/units in managing complex credit risks, providing practical solutions.
- Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
- Mentoring the credit team members with the view to develop them for their career progression.
- Enhance the use of technology in the credit initiation management to increase the efficiency and effectiveness of the Department.
- Process Rationalization in order to increase operating efficiency of team and system.
- Innovate & work towards improving decision process to reduce overall E2E TAT.

**Job Context**

**Specific Accountability**

The stated objective of the Bank in respect of Consumer Banking segments is to become the market leader in UAE and the region Clients, in this segment range from low income to High & Ultra High Net Wor

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