Role : Credit Review Manager Location : Abu Dhabi Role Purpose:
Process credit applications / requests for the Corporate Banking – Abu Dhabi portfolio (GREs, Trading, Manufacturing, Services, Commercial Real Estate, Contracting).
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
