AVP & Lead, Credit Management

About This Role

Job Description

Job Purpose:

To enable the assessment and credit decisions relating to credit facilities and mortgage loans within agreed SLA.

Key Accountabilities:

Core Responsibilities

• Ensure underwriting quality and portfolios remain within the bank’s risk appetite.
• Prepare and present credit memos for escalation of high ticket self employed and rental backed mortgage cases, ensuring clear documentation of risks, deviations, mitigants, and recommendation.”
• Improve TAT and operational efficiencies.
• Create effective workflows for processing and tracking files.
• Ensure compliance with policies and documentation requirements.
• Maintain minimal error rates and audit observations.
• Ensure verification and processes follow policy guidelines and SOPs.
• Ensure all KYC and documentation comply with C2P2 prior to approval.
• Monitor and report policy exceptions and loan booking trends.
• Interpret policies and ensure proper credit analysis to improve asset quality.
• Supervise and maintain tracking systems for periodic reports.
• Support automation initiatives and system changes.
• Lead the Credit Secured Products department to achieve assigned objectives through performance management, staff development, and motivation.

People Management

• Define goals and KPIs; ensure implementation of FAB performance management process.
• Implement Manager Scorecard responsibilities (engagement, performance, mandatory learning).
• Act as role model and drive adherence to organizational values and ethics

Policies, Systems, Processes & Procedures:

• Ensure effective implementation of Credit & Collections Personal Banking policies, procedures, and controls, meeting procedural and legislative requirements
• within agreed TAT while delivering quality customer experience.
• Credit Initiation Management
• Manages Credit Initiation team for Mortgage Underwriting to support the bank’s risk tolerance and asset growth objectives
• Ensures exception approvals beyond policy or scoring cut-offs are taken at the appropriate authority level with clear justifications
• Enhances use of technology to improve efficiency and effectiveness

Business Support

• Establishes strong working relationships with key stakeholders including collections, remedial management, product, and segment teams

Reporting

• Ensure all department reports are prepared timely, accurately, and in line with Group requirements and quality standards

Job Responsibilities:

• Analyze high-ticket self employed and rental backed proposals.
• Manage underwriting team performance.
• Maintain underwriting standards and prudent DOA usage.
• Minimize credit risk through effective risk review.
• Support underwriting flow through guidance to team members.
• Ensure prompt CAS approvals within DOA.
• Ensure SLA TAT compliance.
• Review and resolve quality checks.
• Participate in automation and efficiency initiatives.
• Timely execution of tasks assigned by Line Manager.

Qualifications & Experience:

Qualification:

• Bachelor’s degree, in Business, Finance, Accounting, Economics, Commerce or related discipline (preferred).

Experience:

• Minimum 6 years relevant banking experience including at least 3 years in a similar role.
• Experience in team and process management.

Responsibilities

Qualifications

About Us About Us:

First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.

Life at FAB:

Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to "Grow Stronger." We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization

Career Development:

FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.

Our Values:

At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.

Join our team and be part of a journey to shape the future of banking.