Candidate Profile
- Relevant university degree, preferably in Finance, Accounting, Economics or Business; a master’s degree is an advantage.
- Relevant professional qualifications are preferred.
- Minimum 10 years of relevant experience, including at least 5 years at managerial level within credit.
- Strong experience assessing large corporate borrowers across multiple industries.
- Proven capability in financial statement analysis, credit assessment and portfolio risk monitoring.
- Good understanding of credit-related laws, regulatory requirements and banking credit policies.
- Working knowledge of IFRS 9, expected credit losses and credit staging.
- Experience with Moody’s Risk Analytics or comparable credit analysis platforms; credit scoring system experience is preferred.
- Strong analytical, numerical and computer skills, with close attention to detail.
- Sound commercial judgment and the ability to make clear, well-supported credit recommendations.
- Strong communication, presentation, stakeholder management and team development skills.
- Ability to manage competing priorities and deliver high-quality assessments under tight deadlines.
Responsibilities
- Review new, annual and interim credit proposals for large corporate clients across diverse industries, recommending approval or rejection based on comprehensive risk assessment.
- Analyse financial statements, repayment capacity, industry outlook and borrower risk to assess creditworthiness.
- Prepare clear credit assessments, presentations and recommendations, escalating proposals for approval in accordance with delegated authority.
- Ensure compliance with credit policies, regulatory requirements, internal procedures and agreed turnaround times.
- Identify emerging risks and work with Relationship Managers to obtain clarification and implement corrective actions.
- Monitor portfolio performance, including sector and borrower concentrations, non-performing loans and other key risk indicators.
- Assess expected credit losses and staging considerations under IFRS 9.
- Prepare facility approval letters and related communications to business teams.
- Support internal credit ratings, financial spreading and analysis using Moody’s Risk Analytics (MRA).
- Contribute to enhancements in credit systems, risk models and portfolio reporting tools.
- Collaborate with Business and Risk Management teams to improve credit processes and analytical capabilities.
- Guide and mentor team members, including UAE national employees, and oversee credit-related projects and special assignments.
Our client is an established bank in the UAE seeking a Lead – Corporate Credit to evaluate complex corporate credit proposals, oversee portfolio risk and support sound lending decisions. Reporting to the Unit Head – Corporate Credit, the role combines credit assessment, portfolio monitoring, process improvement and team development.
