Analyst, Credit Management

  • 0000
  • Abu Dhabi, United Arab Emirates
  • Permanent, Full time
  • First Abu Dhabi Bank
  • 16 Feb 18 2018-02-16

The purpose of the job is to manage the allocated commercial clients and process all credit related aspects for those clients, from origination of the credit application to post-approval review and monitoring, with the objective of ensuring quality asset growth

-Ensure timely preparation and submission of Credit Applications and conduct necessary client visits and due diligence in coordination with the coverage team.

-Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.

-Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.

-Maintain credit processing & approval turnaround times as per agreed SLAs with CIB.

-Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and  latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.

-Obtain accurate and current information and update the Risk systems (Risk rating models / TOAs, etc) that allow for accurate identification of risk profiles/ratings in all asset categories.

-Support the Coverage team and provide guidance on due diligence, risk assessment, risk rating, documentation and optimum utilization of credit facilities.

-Recommend amendments to the Bank’s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank’s risk strategy & policy