AVP & Lead, Credit Management at First Abu Dhabi Bank (FAB)

First Abu Dhabi Bank (FAB), the largest financial institution in the UAE and one of the region's foremost banks, is announcing a vacancy for a high-level leadership position: AVP & Lead, Credit Management. This role represents an exceptional opportunity for seasoned professionals with extensive experience in banking and credit to join the ranks of one of the most innovative and growing banks in the Middle East, working from its headquarters in the capital city of Abu Dhabi.

Job Overview and Key Responsibilities

The incumbent will hold a pivotal position within the bank's management structure, responsible for leading and directing credit management activities within the relevant sector or division. Core responsibilities involve leading a specialized team to ensure the implementation of sound and effective credit policies and procedures, contributing to growth objectives while maintaining the quality of the credit portfolio. This role is expected to play a strategic part in risk assessment, reviewing complex credit proposals, and making recommendations to decision-makers.

Key duties will focus on:

• Leadership and Supervision: Guiding the credit management team and developing its competencies to ensure the highest standards of performance and compliance.
• Credit Analysis and Assessment: Conducting in-depth, independent analysis of the creditworthiness of existing and potential clients, including financial statement analysis, industry risk assessment, and deal structuring.
• Risk Management: Continuously monitoring the performance of the credit portfolio, identifying early warning signs, and proposing proactive remedial actions.
• Policy Development: Contributing to the development and enhancement of the bank's credit policies, procedures, and standards to align with global best practices and regulatory changes.
• Communication and Coordination: Acting as a key liaison between the Credit Management department and Sales, Relationship Management, and other operational units to ensure smooth information flow and balanced decision-making.

Qualifications and Essential Requirements

First Abu Dhabi Bank is seeking candidates with a proven track record of achievement in banking and credit, coupled with demonstrated leadership capabilities. Essential requirements include:

• Educational Background: A Bachelor's degree in a relevant field such as Finance, Accounting, Business Administration, or Economics. Advanced degrees (MBA, MSc in Finance) or recognized professional certifications (e.g., CFA, FRM) are a significant advantage.
• Professional Experience: A minimum of 10 to 15 years of experience in the banking sector, with a strong focus on credit management and risk analysis within a leading commercial bank. This experience must include periods in leadership or supervisory roles.
• Technical Knowledge: Deep understanding of credit principles, financial statement analysis, cash flow modeling, and the structuring of various credit products (corporate finance, project finance, real estate finance, etc.). Sound knowledge of local and international regulatory frameworks (e.g., Basel) is essential.
• Personal and Leadership Skills:
  • Strong leadership skills with the ability to motivate teams and foster collaboration.
  • Exceptional analytical and deductive skills with the ability to handle complex information.
  • Excellent communication and interpersonal skills (written and verbal) in both Arabic and English.
  • The ability to make sound decisions under pressure and work in a fast-paced environment.
  • High integrity and strong ethical standards.

Why Work for First Abu Dhabi Bank (FAB)?

Joining FAB means becoming part of a leading institution that offers a dynamic work environment supporting professional growth. The bank provides competitive compensation and benefits packages, excellent training and development opportunities, and a clear career path for outstanding performers. The successful candidate will be part of a team that directly contributes to the bank's sustainable growth and its distinguished market reputation.

How to Apply for This Position

Applications for this position are accepted exclusively through the specialized online platform Naukrigulf. Please visit the link mentioned in the original job posting or search for the vacancy under the title "AVP & Lead, Credit Management" in the careers section of the official First Abu Dhabi Bank (FAB) website or on the Naukrigulf platform. Ensure your Curriculum Vitae (CV) is updated to highlight the relevant experience and skills mentioned above, and attach a brief Cover Letter outlining your suitability for this leadership role.

Given the seniority of this position, the selection process will be rigorous and may involve several rounds of interviews with senior bank officials. Qualified candidates who meet all the criteria are encouraged to apply at their earliest convenience.