AVP & Lead, Credit Management, Industrial & Manufacturing

Job Purpose

Key Accountabilities

• Perform detailed credit analysis and risk assessment for Sector related transactions, including working capital financing, corporate level debt and structured asset financing.
• Prepare / write credit applications, financial analysis, and approval recommendations
• Support structuring of facilities such as term loans, revolving facilities, and guarantees, ensuring alignment with approved risk parameters.
• Support sector-specific portfolio management, including credit reviews, covenant monitoring, account conduct oversight, and tracking financial performance and risk indicators.
• Collaborate with Coverage and Product teams on credit assessments and client meetings.
• Contribute to responses for audit, regulatory, and internal review queries related to assigned transactions and portfolio accounts
• Ensure credit work adheres to Group Credit Policies, Sector specific underwriting standards, and Delegated approval frameworks
• Maintain agreed credit processing timelines (SLAs) while ensuring accuracy and completeness of submissions.
• Build and maintain understanding of UAE and global sector trends incl. key regulatory and risk developments affecting the sector
• Participate in internal discussions and training related to sector risk, underwriting standards, and portfolio trends

Minimum Qualification

• Minimum Bachelor s degree in Finance, Accounting, or a related field (mandatory).
• Professional qualification preferred: CA, CFA, CPA, CAIA

Minimum Experience

• p>Minimum of 6 years experience in banking, including at least three years focused on credit analysis or risk roles ideally within the T&L or I&M sectors.
• p>Candidates should be able to operate within established credit frameworks while exercising independent judgment.
• p>Preference will be given to those with underwriting and credit analysis experience specific to these sectors