Senior Manager – Credit Support (For UAE Nationals)

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Job Description


To oversee and manage the process of credit applications, conducting credit risk assessments, supporting business unit in managing client relationships, protecting and improving asset quality of assigned portfolio in order to support the achievement of the groups pre-set financial and non-financial objectives


Portfolio Management: Process new and existing credit proposals, monitor allocated portfolios, conduct annual reviews, work with key stakeholders to articulate strategies, communicate critical information on market trends and assess impact on portfolio to ensure continuity of portfolio quality and identify opportunities to improve processes

Financial Analysis: Analyse financial data spreads (Moody’s) from balance sheet, profit and loss statement and cash flow statement, conduct trend analysis, ratio analysis and provide opinion on the financial health along with financial projections to ensure decision makers have a clear view on the client’s financial health 

Risk Assessment: Identify and possible risks (for example: business risk, financial risk, structure risk) to assess and mitigate the extent of their impact and foresee possible risk mitigation measures to ensure portfolio health and quality and support revenue generation

Customer Support: Follow-up with key stakeholders for queries, status, updates and credit early involvement to ensure compliance to stipulated turnaround times and service level agreements and support in business development

People Management: Manage self and team in line with ADCB’s people management policies, procedures, processes and practices to ensure adherence and to maximise own and employee contribution to business performance. Organise and supervise the activities and work of the team to ensure that targets and objectives are achieved and the business plan is delivered in line with the required policies, processes, procedures and systems

Policies, Processes, Systems and Procedures: Implement approved departmental policies, processes and procedures, and ensure employee adherence so that work is carried out to the required standard while delivering the required standards of service to customers and stakeholders

Continuous Improvement: Manage and motivate the team to ensure they contribute to, and participate in, the identification and implementation of change initiatives, programmes and projects in line with the Bank’s standards

Customer Service: Demonstrate Our Promise and apply the ADCB Service Standards to deliver the Bank’s required levels of service in all internal and external customer interactions



Minimum Experience

At least 7 years of experience in Banking including at least 5 years’ experience in a credit-risk related position

Minimum Qualifications

Bachelor’s Degree in Business, Accounting or Finance

Knowledge and Skills

Analytical skills

MS Office skills (PowerPoint, Excel and Word)

Verbal and written communication skills

Report writing skills

People Management skills

Abu Dhabi, UAE