SVP & Head of Credit, Corporate Core - Dubai - Emiratized role
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Generic Accountability
Portfolio
• Ensuring that all transaction is being monitored by analysts periodically for any issues
Policies
• Consistently maintain top-quality Credit Policies and Programs.
Process
• Ensure that all credit applications submitted by the team meet the required standards and adhere to the prescribed format. Maintain alignment of processes with the agreed turnaround time.
• Proactive monitoring of credits for early problem recognition.
• Ensures availability of required information to Credit Committee Members for credit decision making
• Assist Risk department in various Central Bank reporting and Audit queries
People
• Collaborate with key stakeholders (Coverage, Product and Risk) to ensure functioning of various tasks is conducted in a smooth and efficient manner.
• Job Specific Accountabilities
General
• Aware of the latest developments in the assigned portfolio with constant updating of developments across various industries.
• Demonstrate strong knowledge of structuring transactions with deep dive analysis of the risks.
• Undertake ad-hoc projects or duties as assigned by Head of Division
• Ensure that any underwriting memo is appropriately drafted by business incorporating the key terms of the underwrite and liquidity analysis.
Portfolio
• Monitor all key credit portfolio parameters periodically and ensure that the deviation of portfolio to the credit policies are minimal.
• Monitor underwriting portfolio and periodically convene the underwriting portfolio meeting with the key stakeholders.
Process
• Advises coverage teams on risk factors associated with complex transactions / high risk industries and clauses imperative mitigating these.
• Oversee due diligence process for prospective transaction and ensure emerging risk factors are appropriately addressed in the term sheet and credit application.
• Participate in client meetings and provide guidance on key risk factors, acceptable structure and appropriate due diligence
People
• Guides a team of analyst whereby the transaction is analyzed appropriately in line with the credit policies and credit proposals are prepared to meet the internal standards.
• Plan, anticipate and identify future capacity and skill needs of the department and pursue their fulfilment.
• Cross-train and develop staff to achieve efficient resource utilization and deployment. Also, identify and retain key talent in the department.
Requirements
- •Extensive experience in credit risk management and portfolio monitoring.
- •Deep knowledge of structuring complex transactions and risk analysis.
- •Ability to develop and maintain credit policies and programs.
- •Experience in client meetings and providing risk guidance.
- •Familiarity with Central Bank reporting and audit queries.
Nice to Have
- •Awareness of latest industry developments.
- •Experience in drafting underwriting memos.
Responsibilities
- •Ensure transaction monitoring and adherence to credit policies.
- •Oversee credit application standards and turnaround times.
- •Proactively identify credit risks and provide information for decision making.
- •Collaborate with Coverage, Product, and Risk departments.
- •Advise coverage teams on risk factors for complex transactions.
- •Oversee due diligence processes for prospective transactions.
- •Guide and develop a team of analysts.
- •Identify and fulfill future capacity and skill needs of the department.
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FAB Bank (First Abu Dhabi Bank) is the UAE's largest bank and one of the world's largest and safest financial institutions. It offers a wide array of financial services.
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