Credit Review Manager

ADIB - Abu Dhabi Islamic Bank


Date: 13 hours ago
City: Abu Dhabi
Contract type: Full time


Role : Credit Review Manager
Location : Abu Dhabi

Role Purpose:


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

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