Senior Credit Manager
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Key skills for this role
About the Role
ADIB is seeking a Senior Credit Manager for Wholesale Banking to review credit applications and evaluate corporate clients. The role requires 8-10 years of corporate banking experience and strong credit analysis skills.
Key Skills for This Role
Responsibilities
- Review all new finance requests, annual reviews, Interim requests and provide credit recommendation
- Ensure facilities purpose and structure align with customer’s financing requirements and repayment capacity; optimize risk return through collaterals, financial covenants and terms & conditions
- Establish effective communication with Business to understand client needs and ensure due diligence is robust
- Ensure appropriate risks/mitigation analysis, identify primary & secondary repayment sources
- Ensure Credit Policy and TM/RAC adherence; highlight deviations to Regional Risk Manager
- Conduct joint customer site visits with Regional Risk Manager when required
- Monitor early warning indicators to identify potential problematic accounts; report trigger breaches
- Ensure strict compliance with bank’s credit policies and central bank laws
- Monitor post disbursement, past dues and TOD reports; oversee collection of past due accounts
- Participate in projects to streamline and improve processes including policy revisions
- Prepare and update Risk & Control Self Assessment (RCSA), manage quarterly credit self assessment
- Help prepare periodic portfolio reviews and monitor action plans
Requirements
- Minimum of 8 10 years of Corporate Banking experience
- Previous Corporate Banking / Credit experience preferred
- This position is open for UAE Nationals only
Full Job Posting
Role Purpose
- Responsible for reviewing credit applications for Wholesale Banking
- Evaluate individual credit requests (for new and existing) corporate clients
- Ensuring all credit and other applications / requests submitted from Business are in line with ADIB credit policies and procedures, TM / RACs and other legal regulations
- Present with recommendation to Senior Credit Officers
Key Accountabilities
- Responsible for reviewing all new finance requests, annual reviews, Interim requests and providing credit recommendation.
- Ensure that facilities purpose and structure are in line with customer’s financing requirements and repayment capacity; optimize the risk return traded through efficient collaterals, financial covenants and terms & conditions
- Establish effective communication with Business to understand the client’s needs and ensure that dealing due diligence (qualitative and quantitative) is robust
- Make sure appropriate risks/mitigation analysis is in place, primary & secondary sources or repayment have been adequately identified, addressed, and can withstand the tenor on base and stressed case scenarios.
- Ensure Credit Policy and TM/RAC adherence. Highlight deviations to the Regional Risk Manager and ensure that appropriate justification/mitigants are in place.
- Conduct joint customer site visits with Regional Risk Manager when required in order to evaluate the quality of the management/operation and credit worthiness.
- Monitor early warning indicators to identify potential problematic accounts. Report trigger breaches to the Regional Risk Manager. Prepare minutes to red flag meetings.
- Ensure strict compliance with bank’s credit policies and procedures and central bank laws and regulations.
- Monitor post disbursement, past dues and TOD reports and oversee collection of past due accounts in coordination with the business team. Manage delinquencies by recommending rescheduling / restructuring of facilities or transferring the account to Asset Remedial Management.
- Participate in projects that streamline and improve existing processes including policy and process revisions.
- Prepare and update Risk & Control Self Assessment (RCSA), manage the quarterly credit self assessment / control testing process and reporting for the unit ensuring timely submissions and tracking of corrective active plan.
- Help prepare periodic portfolio reviews in line with scenario plan requirement and ongoing monitoring of action plan / triggers identified in the review.
Previous Experience
- Minimum of 8 10 years of Corporate Banking experience
- Technical knowledge – Previous Corporate Banking / Credit experience preferred.
Additional Information
- This position is open for UAE Nationals only.
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