Credit Review Manager

Role       : Credit Review Manager
Location : Abu Dhabi                            
Role Purpose:

1. Process credit applications / requests for the Corporate Banking – Abu Dhabi portfolio (GREs, Trading, Manufacturing, Services, Commercial Real Estate, Contracting).
2. Make balanced credit decisions and provide an independent view regarding proposed business transactions 
3. 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