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credit risk analyst

ADIB - Abu Dhabi Islamic Bank

<div>
 <br/>
 <br/>
 <strong>
  Role: Portfolio Risk Analyst
  <br/>
  <br/>
 </strong>
 <strong>
  Location: Abu Dhabi&nbsp;&nbsp;
 </strong>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
 <br/>
 <br/>
 <strong>
  Role purpose:
  <br/>
  <br/>
 </strong>
 This is a Risk Analyst role within Enterprise Risk Management, and the following skill sets are essential for success in this position:
 <br/>
 <br/>
 <ul>
  <li>
   Data analysis and visualization.
  </li>
  <li>
   Assist in preparing risk dashboards and risk reports.
  </li>
  <li>
   Support data reconciliation and validation tasks to ensure data integrity.
  </li>
  <li>
   Conduct ongoing monitoring of deployed scorecards and models to assess performance.
  </li>
  <li>
   Assist in data cleaning and preparation for analysis to improve data quality.
  </li>
  <li>
   Create Excel-based reports and implemented automation to streamline reporting processes.
  </li>
 </ul>
 <br/>
 <br/>
 <strong>
  Key accountabilities of the role:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Conduct regular monitoring of deployed credit risk scorecards (application, behavioral).
  </li>
  <li>
   Track performance metrics of models.
  </li>
  <li>
   Prepare and maintain risk dashboards and monthly performance reports.
  </li>
  <li>
   Automate reporting processes using Excel, SAS, or Python.
  </li>
  <li>
   Perform data cleaning, transformation, and exploratory analysis.
  </li>
  <li>
   Validate input data used in scorecard monitoring and ensure consistency across systems.
  </li>
  <li>
   Support reconciliation between source systems and reporting platforms.
  </li>
  <li>
   Develop and maintain automated scripts for scorecard monitoring and reporting.
  </li>
  <li>
   Identify opportunities to streamline manual processes and improve efficiency.
  </li>
  <li>
   Ensure documentation and audit trails are maintained for all monitoring activities.
  </li>
  <li>
   Maintain documentation for scorecards and models, including development, validation, and monitoring reports.
  </li>
  <li>
   Ensure compliance with internal model governance and regulatory standards.
  </li>
  <li>
   Liaise with credit risk, compliance, and IT teams to align data and reporting needs.
  </li>
  <li>
   Perform deep-dive analysis on specific risk events or portfolio segments.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  </li>
 </ul>
 <br/>
 <br/>
 <strong>
  Functional skills:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Understanding scorecard / model performance metrics (e.g., KS, GINI, PSI, CSI).
  </li>
  <li>
   Familiarity with application and behavior score models and predictive modeling concepts.
  </li>
  <li>
   Knowledge of credit risk metrics: credit score dashboards, risk segmentation, approval / rejection rates, default rates, and delinquency rates (30/60/90+ days).
  </li>
 </ul>
 <br/>
 <br/>
 <strong>
  Soft Skills:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Ability to present findings clearly.
  </li>
  <li>
   Working with risk teams, data teams, and IT.
  </li>
  <li>
   Handling recurring reporting tasks efficiently.
  </li>
  <li>
   Strong communication skills, with the ability to present findings clearly and effectively to stakeholders.
  </li>
 </ul>
 <br/>
 <br/>
 <strong>
  IT skills set:&nbsp;
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   SQL: Writing queries to extract, join, and manipulate data from databases.
  </li>
  <li>
   Excel (Advanced): VBA macros, pivot tables, charts, conditional formatting and dashboard creation.
  </li>
  <li>
   SAS / R / Python: For statistical analysis, model monitoring, and automation.
  </li>
  <li>
   Excel Charts &amp; Conditional Formatting: For quick visual insights.
  </li>
 </ul>
 <br/>
 <br/>
 <strong>
  Education and experience:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Experience: 2 &ndash; 4 years of professional experience in Credit Risk Management, preferably within the banking or financial services sector.
  </li>
  <li>
   Education: Bachelor&rsquo;s degree in finance, Economics, or a related field.
  </li>
  <li>
   Certifications: Professional certifications such as CFA and FRM are preferred.
  </li>
 </ul>
 <br/>
 <br/>
 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;
 <br/>
 <br/>
 &nbsp;
 <br/>
 <br/>
</div>


Portfolio Risk Analyst

bankfab

<div><div>Job Description</div>
<div>
<p><b>Job Purpose:
</b></p><p>The purpose of this role is to take credit ownership from underwriting to obtaining necessary approvals for the assigned portfolio of clients across Retail &amp; Consumer Goods (RCG) segment within the Wholesale Banking. Aside of ensuring all propositions are in compliance with Group Credit Policy and guidelines, the role&rsquo;s purpose is also to provide guidance and expertise across full spectrum of product offering(s) working with Coverage &amp; Product teams as also engaging with the client, where necessary, in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.
</p><p><b>Key Accountabilities:
</b></p><p><b>Generic Accountability
</b></p><ul><li>Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring.
</li><li>Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
</li><li>Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
</li><li>Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
</li><li>Ensures that appropriate Target Market Risk Acceptance Criteria and Credit Policy guidelines are followed as part of approval process.
</li><li>Conduct and where appropriate, guide a team of analyst(s), to conduct robust credit analysis and obtain appropriate approvals.
</li><li>Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.
</li><li>Guides Coverage / Product teams on credit appetite and way and means to optimize the same to achieve optimal risk-reward balance as per established guidelines.
</li><li>Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
</li><li>Ensure accuracy of data being presented to various stakeholders including senior management
</li><li>Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
</li><li>Recommend amendments to the Bank&rsquo;s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank&rsquo;s risk strategy &amp; policy
</li><li>Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented
</li></ul><p><b>Job Specific Accountabilities
</b></p><ul><li>Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
</li><li>Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
</li><li>Ensure credit processing &amp; approval turnaround times as per agreed SLAs with Business Segment.
</li><li>Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
</li><li>Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
</li><li>Ensure all excesses, exceptions, overdue annual reviews, covenant deficiencies, ensuring current collateral valuations and deficiencies in terms and conditions vis-&agrave;-vis lending portfolio are monitored, controlled and addressed.
</li><li>Oversight the mark-to-market revaluation and margin monitoring process and liaise with the respective RMs to rectify any margin call situations.
</li><li>Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
</li><li>Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
</li><li>Manage problem credits closely, and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
</li><li>Ensure asset classification and provisioning is in line with statutory and policy guidelines including any risk downgrades.
</li><li>Providing senior level advisory support on credit policies, lending structures, documentations and guidance to business heads/units in managing complex credit risks, providing practical solutions.
</li><li>Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
</li></ul><p><b>Qualifications &amp; Experience:
</b></p><p><b>Minimum Qualification
</b></p><ul><li>Must have Bachelor&rsquo;s degree.
</li><li>Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.
</li></ul><p><b>Minimum Experience
</b></p><ul><li>Minimum 10 years relevant experience in the banking sector with at least 4-5 years in Corporate / Wholesale Credit Credit function.
</li><li>Proven experience in Corporate Credit underwriting, preferably across Retail &amp; Consumer Goods, TMT, and Real Estate portfolios.
</li><li>Strong track record of preparing committee‑ready credit proposals for senior management and credit committees.
</li><li>Expert knowledge of trade, loan, and working capital products, with hands‑on experience in syndicated and structured facilities, including RCF transactions.
</li><li>Solid understanding of Investment and Global Markets products
</li><li>Ability to assess credit risk with a strong focus on underlying business fundamentals, cash flows, and sustainability of the business proposition.
</li><li>Demonstrated strong credit underwriting, financial analysis, and deal structuring skills.
</li><li>Good understanding of legal and regulatory framework.
</li><li>Ability to work under pressure
</li><li>Strong communication skills &ndash; written and spoken</li></ul></div></div>
<br><div><div>Responsibilities</div></div><div></div>
<br><div><div>Qualifications</div></div><div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

AVP & Lead, Credit Management, Retail & Consumer Goods

<div><div>Job Description</div></div><div></div>
<br><div><div>Responsibilities</div>
<div>
<p><b>Job Purpose:
</b></p><p>The purpose of this role is to take credit ownership from underwriting to obtaining necessary approvals for the assigned portfolio of clients across Healthcare &amp; Education segment within Wholesale Banking. Apart from ensuring all propositions are in compliance with Group Credit Policy and guidelines, the role&rsquo;s purpose is also to provide guidance and expertise across full spectrum of product offering(s) working with Coverage &amp; Product teams as also engaging with the client, where necessary, in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.
</p><p><b>Key Accountabilities:
</b></p><p><b>Generic Accountability
</b></p><ul><li><p>Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring.
</p></li><li><p>Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
</p></li><li><p>Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
</p></li><li><p>Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
</p></li><li><p>Ensures that appropriate Target Market Risk Acceptance Criteria and Credit Policy guidelines are followed as part of approval process.
</p></li><li><p>Conduct and where appropriate, guide a team of analyst(s), to conduct robust credit analysis and obtain appropriate approvals.
</p></li><li><p>Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.
</p></li><li><p>Guides Coverage / Product teams on credit appetite and way and means to optimize the same to achieve optimal risk-reward balance as per established guidelines.
</p></li><li><p>Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
</p></li><li><p>Ensure accuracy of data being presented to various stakeholders including senior management.
</p></li><li><p>Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
</p></li><li><p>Recommend amendments to the Bank&rsquo;s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank&rsquo;s risk strategy &amp; policy.
</p></li><li><p>Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented.
</p></li></ul><p><b>Job Specific Accountabilities
</b></p><ul><li><p>Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
</p></li><li><p>Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
</p></li><li><p>Ensure credit processing &amp; approval turnaround times as per agreed SLAs with Business Segment.
</p></li><li><p>Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients.
</p></li><li><p>Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
</p></li><li><p>Ensure all excesses, exceptions, overdue annual reviews, covenant deficiencies, ensuring current collateral valuations and deficiencies in terms and conditions vis-&agrave;-vis lending portfolio are monitored, controlled and addressed.
</p></li><li><p>Oversight the mark-to-market revaluation and margin monitoring process and liaise with the respective RMs to rectify any margin call situations.
</p></li><li><p>Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
</p></li><li><p>Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
</p></li><li><p>Manage problem credits closely and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
</p></li><li><p>Ensure asset classification and provisioning is in line with statutory and policy guidelines including any risk downgrades.
</p></li><li><p>Providing senior level advisory support on credit policies, lending structures, documentations and guidance to business heads/units in managing complex credit risks, providing practical solutions.
</p></li><li><p>Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
</p></li></ul><p><b>Qualifications &amp; Experience:
</b></p><p><b>Minimum Qualification
</b></p><ul><li><p>Must have Bachelor&rsquo;s degree.
</p></li><li><p>Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.
</p></li></ul><p><b>Minimum Experience
</b></p><ul><li><p>Minimum 10 years relevant experience in the banking sector with at least 4-5 years in Large Corporate / Wholesale Credit function.
</p></li><li><p>Proven experience in Corporate Credit underwriting, preferably across Healthcare and/or Education sectors regionally or globally. This includes analysis of underlying business fundamentals, cash flows, and sustainability of the business.
</p></li><li><p>Expert knowledge and experience of products and structures across trade &amp; working capital, syndicated &amp; bilateral loans, structured finance. This includes knowledge of documentation specific to such facilities.
</p></li><li><p>Solid understanding of Investment and Global Markets / Treasury products
</p></li><li><p>Good understanding of legal and regulatory framework.
</p></li><li><p>Ability to work under pressure.
</p></li><li><p>Strong communication skills &ndash; written and spoken</p></li></ul></div></div>
<br><div><div>Qualifications</div></div><div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

AVP & Lead, Credit Management, Education & Healthcare

<div><div>Job Description</div></div><div></div>
<br><div><div>Responsibilities</div>
<div>
<p><b>Job Purpose:
</b></p><p>The purpose of this role is to take credit ownership from underwriting to obtaining necessary approvals for the assigned portfolio of clients within the Wholesale Banking. Aside of ensuring all propositions are in compliance with Group Credit Policy and guidelines, the role&rsquo;s purpose is also to provide guidance and expertise across full spectrum of product offering(s) working with Coverage &amp; Product teams as also engaging with the client, where necessary, in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.
</p><p><b>Key Accountabilities:
</b></p><ul><li>Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
</li><li>Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
</li><li>Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
</li><li>Ensures that appropriate Target Market Risk Acceptance Criteria and Credit Policy guidelines are followed as part of approval process.
</li><li>Conduct and where appropriate, guide a team of analyst(s), to conduct robust credit analysis and obtain appropriate approvals.
</li><li>Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.
</li><li>Guides Coverage / Product teams on credit appetite and way and means to optimize the same to achieve optimal risk-reward balance as per established guidelines.
</li><li>Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
</li><li>Ensure accuracy of data being presented to various stakeholders including senior management
</li><li>Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
</li><li>Recommend amendments to the Bank&rsquo;s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank&rsquo;s risk strategy &amp; policy
</li>Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented<br>
<li>
</li></ul><p></p><p><b>Job Specific Accountabilities
</b></p><ul><li>Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
</li><li>Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
</li><li>Ensure credit processing &amp; approval turnaround times as per agreed SLAs with Business Segment.
</li><li>Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
</li><li>Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
</li><li>Ensure all excesses, exceptions, overdue annual reviews, covenant deficiencies, ensuring current collateral valuations and deficiencies in terms and conditions vis-&agrave;-vis lending portfolio are monitored, controlled and addressed.
</li><li>Oversight the mark-to-market revaluation and margin monitoring process and liaise with the respective RMs to rectify any margin call situations.
</li><li>Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
</li><li>Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
</li><li>Manage problem credits closely, and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
</li><li>Ensure asset classification and provisioning is in line with statutory and policy guidelines including any risk downgrades.
</li><li>Providing senior level advisory support on credit policies, lending structures, documentations and guidance to business heads/units in managing complex credit risks, providing practical solutions.
</li>Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.<br>
<li>
</li></ul><p></p><p><b>Qualifications &amp; Experience:
</b></p><p><b>Minimum Qualification
</b></p><ul><li>Must have Bachelor&rsquo;s degree.
</li><li>Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.
</li></ul><p><b>Minimum Experience
</b></p><ul><li>Minimum 10 years relevant experience in the banking sector with at least 4-5 years in Credit function.
</li><li>Expert knowledge of various credit products such as Lombard lending, Real Estate financing, FX and Derivatives.
</li><li>Expert knowledge of various Investment products such as bonds, sukuks, stocks, mutual funds, structured notes etc.
</li><li>Ability to look into and beyond Personal Net Worth Statements/financials and see business proposition.
</li><li>Strong structuring skills
</li><li>Good understanding of legal and regulatory framework.
</li><li>Ability to work under pressure
</li><li>Strong communication skills &ndash; written and spoken</li></ul></div></div>
<br><div><div>Qualifications</div></div><div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

AVP & Lead, Credit Management, Corporate Banking

First Abu Dhabi Bank (FAB)

<div>
 <p>
  The objective of the Bank in respect of EPB is to become a pre-eminent private bank in the region and be a market leader across UAE in the priority banking arena. Clients in this segment include the High-Net-Worth Individuals &amp;/or all of their group entities representing diverse interests ranging from operating businesses to wide range of investment across various asset classes.
 </p>
 <p>
  <br/>
 </p>
 <p>
  The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for private banking credit portfolio. The role also entails compliance with all credit policies and guidelines. This is senior level role where the staff will engage in high value tickets where structuring of facility is key for complex bespoke facilities. In addition to provide credit underwriting support for assigned portfolio&rsquo;s for facilities in UAE and KSA, the role also assists in obtaining necessary approvals for assigned portfolio in international locations of private banking.
 </p>
 <p>
  <br/>
 </p>
 <p>
  The role is required to engage with the relationship manager in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Skills
  </strong>
 </p>
 <p>
  Loan facilities to the High Net Worth and Ultra High Net Worth clients are structured around the loan size, collateral type, tenor and the financial strength of the borrower. Credit facilities are offered under various lending structures such as Lombard facilities, Commercial/Residential Real Estate and Insurance Financing. Accordingly, the job holder is expected to demonstrate deep knowledge of products, industry, markets, financial statements so that he/she can work across all product groups and respond in a timely manner. Hence it is critical that the job holder, among other credit skills, is able to demonstrate the following EPB-specific skill set:
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   A thorough understanding of risks associated complex facility structures
  </li>
  <li>
   Good understanding of documentation/legal requirements for different types of credit facilities
  </li>
  <li>
   Strong initiative and interactive approach to problem solving while displaying flexibility and negotiation skills.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  He/She is expected to be solution oriented and requires out of the box thinking without seeking to dilute the high standards of credit and be strong partner for business.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Accountabilities
  </strong>
 </p>
 <ul>
  <li>
   Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
  </li>
  <li>
   Conduct robust credit analysis by ensuring that appropriate Target Market Risk Acceptance Criteria and PBW GCP guidelines are followed as part of approval process.
  </li>
  <li>
   Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring. Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
  </li>
  <li>
   Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
  </li>
  <li>
   Ensures timely availability of required information to approving authority for credit decision making.
  </li>
  <li>
   Ensure accuracy of data being presented to various stakeholders including senior management
  </li>
  <li>
   Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
  </li>
  <li>
   Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
  </li>
  <li>
   Recommend amendments to the Bank&rsquo;s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank&rsquo;s risk strategy &amp; policy
  </li>
  <li>
   Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Specific Accountability
  </strong>
 </p>
 <ul>
  <li>
   Preparation of comprehensive credit proposals clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
  </li>
  <li>
   Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
  </li>
  <li>
   Ensure credit processing &amp; approval turnaround times as per agreed SLAs.
  </li>
  <li>
   Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
  </li>
  <li>
   Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
  </li>
  <li>
   Oversight the mark-to-market revaluation process and take ownership of liaising with the respective RMs to rectify any margin call situations.
  </li>
  <li>
   Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
  </li>
  <li>
   Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
  </li>
  <li>
   Manage problem credits closely and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
  </li>
  <li>
   Ensure accuracy of data being presented to various stakeholders including senior management
  </li>
  <li>
   Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Minimum Qualification
  </strong>
 </p>
 <ul>
  <li>
   Must have Bachelor&rsquo;s degree.
  </li>
  <li>
   Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Minimum Experience &amp; Skill Set
  </strong>
 </p>
 <ul>
  <li>
   Minimum 5 years relevant experience in the banking sector with at least 4-5 years in Credit function.
  </li>
  <li>
   Good understanding of various credit products such as Lombard lending, Real Estate financing, FX and Derivatives.
  </li>
  <li>
   Understanding of various Investment products such as bonds, sukuks, stocks, mutual funds, structured notes etc.
  </li>
  <li>
   Ability to look into and beyond Personal Net Worth Statements/financials and see business proposition.
  </li>
  <li>
   Strong structuring skills
  </li>
  <li>
   Good understanding of legal and regulatory framework.
  </li>
  <li>
   Ability to work under pressure
  </li>
  <li>
   Strong communication skills &ndash; written and spoken.
  </li>
 </ul>
</div>


VP, Credit Management

IIQAF

<div><p><b>Company:</b> IIQAF Group<br>
<b>Location:</b> Abu Dhabi, UAE<br>
<b>Industry:</b> Insurance<br>
<b>Job Type:</b> Full-Time</p>
<h2 class="jobSectionHeader"><b>Job Overview</b></h2>
<p>IIQAF Group is seeking a detail-oriented and analytical <b>Assistant Underwriter in Abu Dhabi</b> to support our insurance underwriting team. The ideal candidate will have experience in <b>risk assessment, policy evaluation, underwriting support, insurance documentation, and data analysis</b>.</p>
<p>This role is ideal for candidates searching for <b>Assistant Underwriter jobs in Abu Dhabi, Insurance Underwriting Assistant UAE, Junior Underwriter roles, Insurance Risk Analyst jobs, or Insurance Administration positions in UAE</b>.</p>
<h2 class="jobSectionHeader"><b>Key Responsibilities</b></h2>
<ul><li>Assist underwriters in evaluating <b>insurance applications and risk profiles</b></li><li>
Review client documentation, financial data, and policy details</li><li>
Support preparation and issuance of <b>insurance policies and endorsements</b></li><li>
Conduct data analysis for underwriting decisions</li><li>
Maintain accurate underwriting records and documentation</li><li>
Liaise with brokers, clients, and internal departments</li><li>
Ensure compliance with <b>UAE insurance regulations and company policies</b></li><li>
Prepare reports and underwriting summaries</li><li>
Support renewal processing and policy updates</li></ul>
<h2 class="jobSectionHeader"><b>Requirements</b></h2>
<ul><li>Bachelor&rsquo;s degree in <b>Finance, Insurance, Business Administration, or related field</b></li><li>
Strong analytical and problem-solving skills</li><li>
Proficiency in <b>Microsoft Excel and insurance software systems</b></li><li>
Knowledge of underwriting principles and risk assessment</li><li>
Excellent communication and organizational skills</li><li>
Attention to detail and accuracy</li><li>
Professional certifications in insurance (preferred)</li></ul></div>

Assistant Underwriter

<div><div>Job Description</div>
<div>
<div><b>JOB PURPOSE:<br>
</b></div><div></div><div>The role is responsible for leading the Investment Banking &amp; Markets First Line of Defence (FLOD) governance and controls function, ensuring it is fit for purpose and aligned with international best ‑ practice standards.
</div><div>The role establishes a dedicated business ‑ owned controls and governance capability that partners closely with Risk, Compliance, and other control functions to support informed decision ‑ making, effective risk management, timely issue resolution, and operational excellence across the First Line.
</div><div>The Head is accountable for embedding a strong risk and control culture across Investment Banking &amp; Markets, ensuring adherence to internal policies, regulatory requirements, and governance frameworks, while maintaining appropriate challenge and escalation.
</div><div>This is an important role requiring strong stakeholder management, communication, and influencing skills to drive accountability, consistency, and continuous improvement across complex and fast ‑ moving businesses.
</div><div>The function supports Coverage, Global Markets (GM), and Global Corporate Finance (GCF).<br>
</div><div></div><div><b>KEY ACCOUNTABILITIES:
</b></div><p><b>1. Risk Tracking &amp; Control Design
</b></p><ul><li>Own and oversee tracking of business ‑ owned action plans to implement or comply with new and amended regulatory requirements
</li><li>Lead the design, enhancement, and implementation of new or changed First Line controls, ensuring alignment with regulatory expectations and internal policies
</li><li>Establish and maintain a business ‑ level risk and control library across IB &amp; Markets businesses, ensuring consistency and completeness
</li></ul><p><b>2. Regulatory Engagement
</b></p><ul><li>Act as the central FLOD coordination point for regulatory requests, examinations, and information submissions, ensuring timely, accurate, and high ‑ quality business responses
</li><li>Coordinate business inputs and management information (MI) provided to regulators
</li><li>Partner closely with business stakeholders, Compliance, Risk, and other control functions to ensure ongoing regulatory adherence and readiness
</li></ul><p><b>3. Policy &amp; Governance Frameworks
</b></p><ul><li>Track Group policy changes and assess implications for Investment Banking &amp; Markets, ensuring timely updates to business SOPs and controls
</li>Design and implement controls across the Global Markets end ‑ to ‑ end trade lifecycle, ensuring adherence to approved policies, procedures, and governance standards<br>
<li>
</li></ul><div></div><p><b>4. Risk Assessments &amp; Control Effectiveness
</b></p><ul><li><p><b>Enterprise </b><b>‑ </b><b>Wide Risk Assessment (EWRA):<br>
 </b></p></li><p></p><li>Coordinate IB &amp; Markets business inputs and MI
</li><li>Independently challenge and validate Compliance ‑ led inherent risk and control assessments in the first instance
</li><li><b>Risk &amp; Control Self </b><b>‑ </b><b>Assessments (RCSA):
</b></li><li>Coordinate business RCSA activities, including identification of key regulatory and operational risks and control gaps
</li><li>Facilitate and oversee formal challenge sessions with Second Line of Defence (e.g. Compliance)
</li><li>Conduct regular reviews of business activities and processes to identify vulnerabilities, control weaknesses, and enhancement opportunities, and recommend remediation actions
</li><li>For Global Markets trade monitoring, oversee the assessment of preventative versus detective controls
</li><li>Coordinate FLOD engagement on other risk areas as required (e.g. Conduct Risk)
</li><li>Develop and maintain Key Risk Indicators (KRIs) to measure control effectiveness and emerging risk trends in near real time
</li></ul><p><b>5. Assurance &amp; Monitoring
</b></p><ul><li>Coordinate business engagement and responses to Compliance Monitoring and Testing plans
</li><li>Execute agreed First Line monitoring activities, aligned with Compliance and business priorities
</li></ul><p><b>6. Issues, Findings &amp; Incident Management
</b></p><ul><li>Own the coordination and oversight of business ‑ owned issues arising from:
</li><li>Compliance monitoring
</li><li>Group Internal Audit (GIA)
</li><li>Regulatory examinations
</li><li>FLOD monitoring and near ‑ misses
</li><li>Ensure clear accountability for issue ownership within the business
</li><li>Track remediation progress, interim milestones, and deadlines; escalate delinquencies appropriately, especially where regulatory risk exists
</li><li>Manage dependencies across functions and escalate impediments where required
</li><li>Oversee escalation and tracking of near ‑ misses and control failures
</li></ul><p><b>7. Training &amp; Awareness
</b></p><ul><li>Monitor and report on mandatory training completion, escalating delinquencies to senior management
</li><li>Coordinate business responses to mandatory HR and regulatory training programmes, in partnership with HR and Compliance
</li></ul><p><b>8. Reporting, Governance &amp; Committees
</b></p><ul><li>Develop and maintain a business ‑ owned IB &amp; Markets governance framework, involving relevant stakeholders (Compliance, Risk, Technology, Operations)
</li><li>Ensure effective oversight of risks, controls, issues, and risk appetite metrics
</li><li>Produce and escalate risk, control, and performance reporting (KRIs, KPIs)
</li><li>Perform thematic and trend analysis to identify systemic issues and emerging risks.
</li><li>Oversee data quality and source systems supporting risk and regulatory reporting
</li><li>Chair/lead relevant governance committees and ensure effective escalation and decision ‑ making
</li></ul><p><b>9. Capital Allocation Committee (CAC) Governance
</b></p><ul><li>Review and update the Capital Allocation Committee charter, ensuring alignment with regulatory and internal governance requirements
</li><li>Review CAC submissions (from GRMs and business) for quality, completeness, and risk considerations; track approvals and conditions
</li><li>Track and report analysis of business opportunities submitted to the CAC on a quarterly basis
</li><li>Analyse, monitor, and report on low ‑ returning IB &amp; Markets clients, supporting informed capital allocation decisions
</li></ul><p><b>10. Breach &amp; Disciplinary Management
</b></p><ul><li>Oversee tracking and management of business breaches and disciplinary matters
</li><li>Track and escalate implementation of agreed remediation and corrective actions
</li></ul><div><ul><li><b>Credit
</b></li></ul></div><ul><li>Work with credit on the refesh of the Group Credit Policy ensuring alignment with business interest and business processes are aligned with GCP
</li><li>Ensure the credit processes are being adhered to example Past Due monitoring &amp; settlement, closure of document deficiencies &amp; ensure CAs are being timely renewed .
</li></ul><div><ul><li><b>Risk
</b></li></ul></div><ul><li>Represent the business at the Model Risk Management Committee
</li><li>Work with the ERM &amp; the Business Heads on the setting of the Risk Thresholds at both Tier 2 &amp; Tier 3 level
</li><li>Ensure business processes are aligned with the relevant Regulation for example CBUAE CRMS, etc
</li></ul><div><b>QUALIFICATIONS &amp; EXPERIENCE:
</b></div><div><b>Minimum Qualification:
</b></div>Bachelor&rsquo;s degree or higher in management, banking, finance, preferably with certification in compliance, KYC/AML/CFT, financial crime or risk management<br>
<ul><li>
</li></ul><div></div><div><b>Minimum Experience:
</b></div><ul><li>Minimum of 10 - 15 years of experience in a reputable international bank, experience of working in regulated jurisdictions and exposure to international financial services regulations
</li><li>Minimum of 10 years+ of experience preferably in a Investment Banking &amp; Markets aligned Risk, Compliance or Internal Audit role
</li><li>A combination of risk management, Internal Audit or Compliance experience would be considered an asset
</li><li>Knowledge of GM &amp; GCF products
</li><li>Familiarity with financial regulations and experience in regulatory reporting requirements
</li><li>Excellent communication skills, with the ability to present to senior stakeholders
</li><li>Strong sense of ownership and accountability with a proactive approach to risk management
</li></ul><div>High level of attention to detail with strong analytical and problem-solving skills</div></div></div>
<br><div><div>Responsibilities</div></div><div></div>
<br><div><div>Qualifications</div></div><div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

ED & Head of Business Governance (FLOD) - IB&M

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