AVP & Lead- Credit Management

  • Full-time
  • Sub Division: Credit - Commercial Banking & Real Estate
  • Division: Group Credit

Company Description

Now it’s your time to join the #1 bank in the Middle East and one of the most prestigious financial companies in the region. Shaking up the world of banking requires a lot of smarts and skill. We’re looking for the brightest and best to help us reach our goals and we’ll also help you reach yours.

Your success is our success as you grow stronger in your career. Join us and leave a legacy of your own, as a pioneer in both the company and the industry.

Job Description

·       Review, analyez, recommend, and approve credit proposals in line with the approved credit policies and delegation of authorities, procedures, and market dynamics to produce high quality of credit assessment memos for underwriting purposes.

·       Approve credit applications for a value up to AED 15 million (TBA/Part of their delegated authority)

·       Given the High Net worth and sensitive nature of the clientele worth of more than AED 100Mio and above individually, actively engage with the senior business counterparts (Area Managers/Business Heads etc) to ensure that the proposed facility is adequately structured to meet the clients’ expectations within the bank’s underwriting standards.

·       Building up a client servicing culture by ensuring relationship with the front line and peers department are well maintained and engaged 

·       Adhere to & comply with departmental policies, standard operating procedures and practices so that the work is carried out in a smooth & methodical manner.

·       Exhibit consistency with organization’s values and ethics at all times to demonstrate a value driven culture within the bank.

·       Contribute towards continuous improvement and sustainability of policies, systems, process and methods in line with changing needs and requirements so as to efficiently carry out the duties.

·       Have in-depth understanding of regulatory and internal real estate credit policy.

·       Exhibits good communication & writing skills when preparing & submitting credit proposals to approving authorities within the Bank.

·        Possesses a wide skill range & experience in Real Estate Finance, Corporate Finance, Credit management, Relationship management, Interpretation of Financial Analysis and Credit Evaluation.

·        Analyze Client’s financial statements - Bank statements and /or Audited financial Statements/Rental Roll Report/ Collateral Details etc, investigate client’s credit history/credit reports/ system checks to meet bank’s lending standards.

·        To work out the credit rating of the customer as per the bank’s credit rating portal.

·        Ensure completeness & correctness of documentation in order to avoid fraud and/or delinquency in the future.

·        In depth analysis of all loan related borrower’s/Property financial ratios like turnover ratios, debt service coverage ratio to ensure error free underwriting and ensuring that the loan amount proposed is in line with TM-RAC.

·        Review & analyze restructure requests given by the existing loan customers and recommend in line with the bank’s policy/TM-RAC.

·        Review deferral/waiver requests given by the existing customers and recommend the same keeping in mind the credit risk involved.

·        Review and approve loan applications and service requests efficiently and within the agreed SLA’s.

Core Relationship Tasks:

·        Manage a portfolio of about 200 accounts, with a size of AED 3 billion under lending in REC

·        Accompany the business counterparts to client meetings and to develop better understanding of the client and the proposed credit facility.

·        Co-ordinate with different counterparts (Business, CAD & Collections) to obtain required support / feedback on the existing portfolio.

·        To work in co-ordination with the monitoring team and take up with business in case of noncompliance of terms and conditions.

·        To be able to work in pressure conditions without compromising on the credit underwriting quality.

·        To perform any additional Job-Related tasks/projects as and when assigned by Line Manager.


  • Minimum Education required: Minimum Bachelor’s degree preferably in Finance/Banking/ Commerce.

Minimum Experience:

  •  10 years’ relevant experience in credit and or banking experience.
  • Advanced financial and credit analysis knowledge and skills
  • Time-management skills.
  •  Communication & interpersonal skills. Ability to communicate with various internal customers, being several coverage counter parties, credit administration team…. etc.
  • Detail-oriented team player with a strong understanding of Real Estate markets and credit underwriting skills.

Additional Information

Conduct in-depth credit assessment of credit applications seeking financing for large residential and/or commercial real estate, this portfolio is consisting of 700 plus accounts with a portfolio value of AED 12 billion and growing. Approve credit applications where appropriate delegation of authority is provided The key purpose is to determine whether the borrower (mostly sensitive ultra-high net worth clients), is eligible for financing and the requested credit facility is in line with the bank’s risk appetite and Target Market Risk Acceptance Criteria (TM-RAC).

Privacy PolicyImprint