Credit Officer

About This Role

Position: Credit Officer

Experience: Minimum 5 years in Banking or Financial Institutions (SME, Large corporate and Supply Chain Finance lending) (Minimum 3 years of similar UAE experience)

Qualification: MBA (Finance) / CA / Postgraduate in Finance or related field

Location: Abu Dhabi, UAE (ONSITE)

Role Summary:

We are looking for an experienced Credit Officer to oversee end-to-end credit management across SME, Large corporate and Supply Chain Finance portfolios. The role demands expertise in credit underwriting, portfolio monitoring, risk mitigation, and policy compliance. The Credit Officer will play a key role in driving sound credit decisions and maintaining a healthy asset portfolio.

Key Responsibilities:

• Review and analyze credit proposals for various lending facilities including working capital, term loans, overdrafts, and SCF products.
• Conduct detailed due diligence including assessment of financial statements, cash flows, bank statements, and management profiles.
• Approve credit limits within delegated authority and recommend higher exposures for committee approvals.
• Develop and implement credit risk assessment frameworks and ensure compliance with regulatory and internal policies.
• Continuously monitor asset quality, identify early warning signals, and recommend corrective actions.
• Collaborate with business and collections teams to maintain portfolio performance.
• Provide guidance and mentorship to junior credit analysts and ensure quality of credit underwriting.
• Participate in policy reviews, process improvements, and implementation of best practices.
• Prepare periodic portfolio MIS, risk reports, and present to senior management.
• Liaise with auditors, regulators, and internal stakeholders for credit audits and reviews.

Key Requirements:

• Minimum 5 years of progressive experience in credit underwriting and management in a bank or Financial institutions.
• Strong understanding of credit products for SME, Large corporate and Supply Chain Finance segments.
• Proficiency in financial statement analysis, cash flow forecasting, and risk assessment.
• Exposure to credit monitoring tools, early warning systems, and portfolio management.
• Strong decision-making, communication, and leadership skills.
• Ability to work under pressure and manage multiple priorities.
• Strong understanding of credit policies, operational processes, documentation standards, and credit control frameworks.
• Comprehensive knowledge of applicable CBUAE regulatory requirements and guidelines.

Educational Qualification:

• MBA (Finance) / Chartered Accountant (CA) / Postgraduate degree in Finance, Commerce, or related field.