Credit Review Manager

3 weeks ago


Abu Dhabi, United Arab Emirates ADIB - Abu Dhabi Islamic Bank Full time

Credit Review Manager

**Role : Credit Review Manager**
Location : Abu Dhabi

Role Purpose:

- Make balanced credit decisions and provide an independent view regarding proposed business transactions
- Communicate and adhere to ADIB's risk culture, risk appetite and tolerance, risk policies, practices, procedures and risk limits

**Key Accountabilities of the role**
- Review and approve, new finance requests, annual reviews, CCRs within DLA as SCO L4 and provide credit recommendations to higher approving authorities for requests in excess of DLA
- Establish effective communication with Business to understand the client's needs and ensure that deal due diligence (qualitative and quantitative) is robust
- Ensure that facilities purpose and structure are in line with customers' financing requirements and repayment capacity; optimize the risk return trade off through efficient collaterals, financial covenants and terms & conditions
- Make sure appropriate risks / mitigation analysis is in place, primary & secondary sources of repayment have been adequately identified, addressed, and can withstand the tenor on base and stressed case scenarios.
- Ensure Credit Policy and TM/RAC adherence and ensure that appropriate justification/mitigants are in place
- Ensure strict compliance with bank's credit policies and procedures and central bank laws and regulations
- Conduct joint customer site visits when required in order to evaluate the quality of the management / operation and credit worthiness
- Monitor post disbursement, past dues and TOD reports and oversee collection of past due accounts in coordination with the business team
- Participate in projects that streamline and improve existing processes including policy and process revisions
- Any other special assignment given by line manager / GCCO

**Specialist Skills / Technical Knowledge Required for this role**:

- 10+ years of Corporate Banking / credit experience
- At least 10 years of local/regional market experience
- Good working knowledge of banking products
- Numerical and detail oriented
- Degree in Business Administration/Finance/Accounting

Job ID 300002318512669



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