VP, Credit - Structured Finance
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Key skills for this role
About the Role
First Abu Dhabi Bank seeks a VP of Credit for Structured Finance to lead credit assessment and portfolio management for corporate and structured financing. The role requires 15 years of banking experience with 5-7 years in structured debt, strong financial modeling skills, and team leadership.
Key Skills for This Role
Responsibilities
- Conduct detailed credit assessment and prepare credit appraisal memos for corporate and structured financing
- Manage overall health of allocated portfolio and guide team of credit analysts
- Analyze complex transaction structures, asset quality, and counterparty risk
- Review term sheets and identify credit and structural risks with legal counsel
- Set credit terms and conditions including limits, covenants, and seniority
- Monitor ongoing credit exposure and perform ad hoc risk analysis
- Ensure compliance with credit policies and regulatory requirements
- Participate in digitalization and automation projects
Requirements
- 15 years of experience in banking
- 5 7 years in structured debt
- Good understanding of structured debt financing structures
- Strong financial modeling and Excel skills
- Excellent communication skills
- Knowledge of regulatory requirements (Basel, IFRS 9, ECL)
- Bachelor's degree in Finance/Banking/Commerce
Full Job Posting
Job Purpose
- Conduct detailed credit assessment and preparation of credit appraisal memos for corporate and structured financing.
- Manage overall health of allocated portfolio and guide team of credit analysts.
- Support in Budgeting, Regulatory reporting, Portfolio Reviews and MIS from Group Credit perspective.
Key Accountabilities
- Handle independently credit evaluation and approval process for corporate lending and structured debt across various sectors.
- Coordinate with Corporate Finance teams in developing appropriate product programs and assist in development of RACs.
- Analyze complex transaction structures, asset quality and counterparty risk as part of the credit analysis.
- Review term sheets and identify credit and structural risks in collaboration with legal counsel.
- Set Credit terms and conditions including limits / amortization schedule, covenants, seniority of claims, EoD terms etc.
- Monitor ongoing credit exposure at product level and counterparty level; undertake Ad hoc event based risk analysis.
- Ensure compliance with credit policies, regulatory requirement and industry best practices.
- Manage allocated portfolio in terms of timely annual reviews, monitoring delinquencies, early warnings, adherence to covenants.
- Actively participate in digitalization and automation based projects.
- Guide and train a small team of credit analysts for credit underwriting.
Key Requirements
- 15 years of experience in banking of which 5 7 years in structured debt.
- Good understanding of structured debt financing structures, multi sector experience and asset valuations.
- Strong financial modelling and excel skills with ability to review financial model, RAROC and returns sheets critically.
- Understand key risk elements for structured financing.
- Excellent communication skills with ability to clearly articulate risk consideration and credit rationale.
- Knowledge of regulatory requirements (Basel norms, IFRS 9, ECL & Impairments Calculations etc.) relevant to credit risk.
- Ensure completeness & accuracy of documentation submitted with credit request.
- Ensure compliance to bank's credit underwriting policies and address exceptions.
- Perform portfolio management activities: pastdue monitoring, breach of covenants, stress testing.
- Review/Approve deferral or waiver requests by customers in context of credit risks.
Qualification
- Bachelor's degree preferably in Finance/Banking/Commerce.
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