SVP & Head of Credit, Corporate Core First Abu Dhabi Bank FAB

Generic Accountability

Portfolio

• Ensuring that all transaction is being monitored by analysts periodically for any issues

Policies

• Maintain top-quality Credit Policies and Programs.

Process

• Ensure that all credit applications submitted by the team meet the required standards and adhere to the prescribed format. Maintain alignment of processes with the agreed turnaround time.
• Proactive monitoring of credits for early problem recognition.
• Ensures availability of required information to Credit Committee Members for credit decision making
• Assist Risk department in various Central Bank reporting and Audit queries

People

• Collaborate with key stakeholders (Coverage, Product and Risk) to ensure functioning of various tasks is conducted in a smooth and efficient manner.

Job Specific Accountabilities

General

• Aware of the latest developments in the assigned portfolio with constant updating of developments across various industries.
• Demonstrate strong knowledge of structuring transactions with deep dive analysis of the risks.
• Undertake ad-hoc projects or duties as assigned by Head of Division
• Ensure that any underwriting memo is appropriately drafted by business incorporating the key terms of the underwrite and liquidity analysis.

Portfolio

• Monitor all key credit portfolio parameters periodically and ensure that the deviation of portfolio to the credit policies are minimal.
• Monitor underwriting portfolio and periodically convene the underwriting portfolio meeting with the key stakeholders.

Process

• Advises coverage teams on risk factors associated with complex transactions / high risk industries and clauses imperative mitigating these.
• Oversee due diligence process for prospective transaction and ensure emerging risk factors are appropriately addressed in the term sheet and credit application.
• Participate in client meetings and provide guidance on key risk factors, acceptable structure and appropriate due diligence

People

• Guides a team of analyst whereby the transaction is analyzed appropriately in line with the credit policies and credit proposals are prepared to meet the internal standards.
• Plan, anticipate and identify future capacity and skill needs of the department and pursue their fulfilment.
• Cross-train and develop staff to achieve efficient resource utilization and deployment. Also, identify and retain key talent in the department.