Assistant Manager - Credit Risk (UAE National)

Organization Context

Credit Risk Responsibilities

• Evaluate wholesale banking credit proposals and submit recommendations to management.
• Evaluate credit risk and recommend mitigating measures.
• Maintain the quality of the allocated corporate credit portfolio.
• Ensure lending proposals comply with policies and UAE Central Bank regulations.
• Monitor borderline, weaker, and potentially non-performing accounts.
• Advise business units on difficult accounts and monitor remediation progress.
• Review provisioning recommendations for weaker accounts.
• Monitor exceptions, excesses, past dues, utilization, and covenant status.
• Advise relationship teams and management on strategies to maximize relationship returns.
• Review documentation and standard-term changes with Legal, CRAD, and other stakeholders.

Controls and Initiatives

• Maintain service quality, turnaround times, and effective support for allocated business units.
• Conduct sector and portfolio reviews and ensure accurate credit recommendations and reports.
• Escalate covenant breaches and audit remarks and manage early-alert and overdue accounts.
• Support proactive portfolio management, reduction of non-performing loans, and IFRS 9 governance and staging.
• Contribute to policy and process revisions, industry reviews, delegated authorities, controls, and special projects.
• Support the ESG initiative through automation of the scorecard in nCino for credit assessments above AED 50 million.
• Complete required training, including AI-related courses, and develop product, policy, and procedure knowledge.
• Support workload redistribution, end-to-end processing improvements, teamwork, and customer satisfaction.

Education and Experience

• Bachelor’s or master’s degree.
• Diploma or certification in banking or finance.
• At least 3 years of banking experience.
• At least 1 year of experience in corporate credit.
• Knowledge of corporate products including trade finance, treasury, syndications or club deals, real estate finance, and project finance.
• Ability to manage high volumes while ensuring required due diligence.