Avp & Credit Lead- Real Estate

19 hours ago

Abu Dhabi, United Arab Emirates bankfab Full time

First Abu Dhabi Bank (FAB) Al Qurm Business Park, Abu Dhabi, United Arab Emirates
- Full-time
- Division: Group Credit
- Sub Division: Real Estate Credit

**Company Description**:
Are you a highly driven Emirati banker with 3+ years of experience? The FAB " Future leaders program - FLP " “ قادة المستقبل ” " is tailor-made for you.

The 2-year learning and development journey offers personalized coaching, hands-on training, and expert mentorship to accelerate your career progression to a senior leadership role.
- Review, analyze, recommend, and approve credit proposals in line with the approved credit policies and delegation of authorities, procedures, and market dynamics to produce high quality of credit assessment memos for underwriting purposes.
- Given the High Net worth and sensitive nature of the clientele worth of more than AED 100Mio and above individually, actively engage with the senior business counterparts (Area Managers/Business Heads etc) to ensure that the proposed facility is adequately structured to meet the clients’ expectations within the bank’s underwriting standards.
- Building up a client servicing culture by ensuring relationship with the front line and peers department are well maintained and engaged
- Adhere to & comply with departmental policies, standard operating procedures and practices so that the work is carried out in a smooth & methodical manner.
- Exhibit consistency with organization’s values and ethics at all times to demonstrate a value driven culture within the bank.
- Contribute towards continuous improvement and sustainability of policies, systems, process and methods in line with changing needs and requirements so as to efficiently carry out the duties.
- Have in-depth understanding of regulatory and internal real estate credit policy.
- Exhibits good communication & writing skills when preparing & submitting credit proposals to approving authorities within the Bank.
- Possesses a wide skill range & experience in Real Estate Finance, Corporate Finance, Credit management, Relationship management, Interpretation of Financial Analysis and Credit Evaluation.
- Analyse Client’s financial statements - Bank statements and /or Audited financial Statements/Rental Roll Report/ Collateral Details etc, investigate client’s credit history/credit reports/ system checks to meet bank’s lending standards.
- To work out the credit rating of the customer as per the bank’s credit rating portal.
- Ensure completeness & correctness of documentation in order to avoid fraud and/or delinquency in the future.
- In depth analysis of all loan related borrower’s/Property financial ratios like turnover ratios, debt service coverage ratio to ensure error free underwriting and ensuring that the loan amount proposed is in line with TM-RAC.
- Review & analyse restructure requests given by the existing loan customers and recommend in line with the bank’s policy/TM-RAC.
- Review deferral/waiver requests given by the existing customers and recommend the same keeping in mind the credit risk involved.
- **_ Core Relationship Tasks:_**
- Manage a portfolio of about 200 accounts, with a size of AED 3 billion under lending in REC
- Accompany the business counterparts to client meetings and to develop better understanding of the client and the proposed credit facility.
- Co-ordinate with different counterparts (Business, CAD & Collections) to obtain required support / feedback on the existing portfolio.
- To work in co-ordination with the monitoring team and take up with business in case of noncompliance of terms and conditions.
- To be able to work in pressure conditions without compromising on the credit underwriting quality.
- To perform any additional Job-Related tasks/projects as and when assigned by Line Manager.
- ** FRAMEWORKS, BOUNDARIES, & DECISION-MAKING AUTHORITY**:

- To operate within the framework of the group Credit team - Consumer Banking and the policies applicable to it and to bank in general.
- To review the excess rental release request of the clients after reviewing the rental register and building savings account.
- Decision making authority is as per the delegation matrix. (AED 15 million Credit Approvals anticipated)

**Qualifications**:
Minimum Education required: Minimum Bachelor’s degree preferably in Finance/Banking/ Commerce.

**Minimum Experience**:

- 3 years’ relevant experience in credit and or banking experience.
- Advanced financial and credit analysis knowledge and skills
- Time-management skills.
- Communication & interpersonal skills. Ability to communicate with various internal customers, being several coverage counter parties, credit administration team. etc.
- Detail-oriented team player with a strong understanding of Real Estate markets and credit underwriting skills.

**Additional Information**:

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