Oversee credit underwriting by reviewing and approving credit proposals, identifying key risks, and ensuring alignment with the bank's risk appetite and policies.
Conduct comprehensive risk assessments across financial, structural, legal, compliance, business, and cross-border risk areas for all counterparties and transactions.
Ensure full regulatory adherence by monitoring compliance with UAE Central Bank frameworks, IFRS-9 requirements, prudential limits, and internal risk policies.
Monitor and manage the loan portfolio, including covenant compliance, sectoral risk analysis, overdue accounts, early-warning signals, and overall portfolio quality.
Lead operational risk activities, including RCSA, timely renewals of exposures, AML/KYC/CFT reviews, audit coordination, and ensuring zero high-risk observations.
Provide strategic support to Commercial Banking, including structuring credit facilities, preparing MIS and risk dashboards, supporting digitization initiatives, and representing the unit in committees and forums.
Portfolio quality oversight, credit governance, credit proposal review, post approval monitory, risk controls, operational coordination across the credit lifecycle.The role will act as a second-line control, bridging business, risk, credit and operations to ensure sound portfolio governance and disciplined risk management.
All the above accountabilities include but not limited to any additional/new tasks or responsibilities assigned by the line Manager.
Work Experience:
15 years of experience in corporate / investment banking environment with at least 10+ years in credit appraisal functions.
