Senior Specialist – Credit Support

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Job Description


To process credit applications, conduct credit risk assessments, support business unit in managing client relationships, protect and improve 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 portfolio and conduct annual reviews (For example: limit extensions; limit renewals; risk ratings; facility utilization; account conduct; client strategy) for existing clients to ensure continuity of portfolio quality

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 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

Moody’s Risk Analytics (MRA) Rating:

Spread financial statements using Moody’s Risk Analytics (MRA’s) and concur on the subjective parameters for the client to ensure MRA rating (validated or indicative) is generated accurately

Policies, Processes, Systems and Procedures: 

Adhere to all relevant organizational and departmental policies, processes, standard operating procedures and instructions so that work is carried out to the required standard and in a consistent manner while delivering the required standard of service to customers and stakeholders


Manage self in line with the bank’s people management policies, procedures, processes and practices to ensure adherence and to maximise own contribution to business performance

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


At least 5 years of experience in banking including 3 years in credit risk related position

Bachelor’s Degree in Business, Accounting or Finance

Analytical skills

Intermediate MS Office skills (PowerPoint, Excel and Word)

Dubai, UAE