credit risk analyst

Huntington Bank

<div><h1 class="jobSectionHeader"><b>Description</b></h1><p><b>
Summary:</b></p><p>
The Credit Risk Administration Allowance Analytics team has an opening for an Allowance Credit Risk Analyst, Sr.</p><p>
This role is responsible for ensuring that processes used in the calculation and reporting of the Allowance for Credit Losses (ACL) comply with enterprise and regulatory requirements. The candidate will support Allowance governance routines, maintain process design documents, coordinate general ledger entries, and assist with compiling documentation for audit/regulatory exams. The incumbent will work as part of the larger team to assist with reporting, identifying and analyzing credit risks. This position offers visibility to senior management, Risk/Finance partners, auditors and regulators. The successful candidate will be attentive to detail, a strong communicator and proficient in time management.</p><p></p><p><b>
Duties and Responsibilities:</b></p><ul><li>
Use data analytics to evaluate credit performance within the Consumer and Commercial loan portfolios</li><li>
Closely monitor trends, industry/peer performance and the economic environment to assess any potential emerging issues</li><li>
Develop and monitor metrics/analysis based on portfolio performance</li><li>
Contribute to the bank&rsquo;s quarterly Credit Pillar Risk Assessment exercises</li><li>
Prepare management-level presentations and board packages</li><li>
Perform SOX governance activities including control review and control execution</li><li>
Coordinate activities related to internal, external and regulatory exams</li><li>
Leverage existing data sources and problem-solving to develop solutions</li><li>
Performs other duties as assigned</li></ul><p></p><p><b>
Basic Qualifications:</b></p><ul><li>
Bachelor&rsquo;s Degree</li><li>
7 years of combined financial services experience in credit, and/or risk management</li></ul><p></p><p><b>
Preferred Qualifications:</b></p><ul><li>
Minimum of 2 years of experience in SAS, SQL or other data analytics tools</li><li>
Ability to prepare concise presentations to communicate analytical findings to a wide array of audiences</li><li>
Experience driving strategic insights from credit portfolios</li><li>
High proficiency with Microsoft Office applications (Excel, PowerPoint, Word, Outlook)</li><li>
Analytical, critical thinking and problem-solving abilities</li><li>
Self-initiative, effective communication and interpersonal skills</li><li>
Detail oriented with the ability to work under pressure to meet critical deadlines</li><li>
Effective cross-functional project, resource, and stakeholder management</li></ul><p></p><p>
#LI-RP1</p><p><b><br>
Exempt Status: (Yes</b> = not eligible for overtime pay) (<b>No</b> = eligible for overtime pay)</p>
Yes<p></p><p><b>
Applications Accepted Through:</b></p>
04/30/2026<p></p><p>
Huntington expects to accept applications through at least the date above, and may continue to accept applications until the position is filled.</p><p></p><p><b>
Workplace Type:</b></p>
Office<p></p><p>
Our Approach to <b>Office </b>Workplace Type</p><p></p><p>
Certain positions outside our branch network may be eligible for a flexible work arrangement. We&rsquo;re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.</p><p></p><p><b>
Compensation Range:</b></p>
$70,000 - $140,000 Annual Salary<p></p><p>
The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO).</p><p></p><p>
Huntington is an Equal Opportunity Employer.</p><p></p><p>
Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.</p><p></p><p><b>
Note to Agency Recruiters:</b> Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.</p></div><p></p>

Allowance Credit Risk Analyst Sr

Multifactors-Sales LLC

<p>At <b>Multifactors-Sales</b>, we thrive on complexity and deliver on precision. We are a premier commercial enterprise specializing in large-scale trading, multi-channel distribution, and supply chain solutions across the GCC. Because our business handles diverse product portfolios, complex vendor networks, and high-volume transactions, identifying and balancing market variables is our key to sustaining rapid growth.</p><p>We believe that great commercial success is built on calculated foresight. We are seeking a sharp, data-driven <b>Senior Risk Analyst</b> to join our risk and finance division in Ar Rayyan. If you know how to dig deep into data, model complex scenarios, and turn potential operational or financial threats into strategic opportunities, you belong here.</p><p><b>The Role: What You&rsquo;ll Do</b></p><p>As our <b>Senior Risk Analyst</b>, you will be the analytical engine behind our risk management frameworks. You will evaluate market volatility, credit risks, and operational vulnerabilities, translating massive datasets into actionable security strategies that protect our bottom line.</p><p><b>Key Responsibilities:</b></p><ul><li><b>Risk Modeling &amp; Analysis:</b> Develop, implement, and maintain advanced quantitative models to assess credit, market, and operational risk across our sales and supply chain portfolios.</li><li><b>Portfolio Surveillance:</b> Proactively monitor high-volume corporate accounts, vendor financial health, and macro-market trends in Qatar to detect early warning signs of default or disruption.</li><li><b>Process Optimization:</b> Evaluate internal sales and operational workflows, mapping out bottlenecks or compliance gaps and designing automated controls to minimize human error or fraud.</li><li><b>Strategic Reporting:</b> Translate complex financial and statistical data into clear risk registers, heat maps, and dashboards for the Risk Manager and executive leadership.</li><li><b>Cross-Functional Advisory:</b> Partner with our Sales Directors and Supply Chain leads to structure secure, risk-mitigated commercial agreements with major clients.</li></ul><p><b>What We&rsquo;re Looking For (Requirements)</b></p><ul><li><b>Education:</b> Bachelor&rsquo;s degree in Finance, Economics, Statistics, Data Analytics, or a highly quantitative field. (Professional designations like FRM, PRM, or CFA are highly advantageous).</li><li><b>Experience:</b> 4+ years of solid experience in corporate risk analysis, financial underwriting, or commercial credit assessment&mdash;ideally within large-scale trading, distribution, or corporate banking sectors in the GCC.</li><li><b>Technical Mastery:</b> Exceptional proficiency in data manipulation and modeling using MS Excel (VBA/macros). Familiarity with SQL, Power BI, or risk management software is a major asset.</li><li><b>Sharp Analytical Eye:</b> The ability to look past raw numbers to identify the behavioral patterns, market trends, and hidden liabilities behind them.</li><li><b>Local Presence:</b> Currently based in Qatar with a valid, transferable QID, ready to operate full-time from our corporate hub in Ar Rayyan.</li></ul><p><b>Why Join Multifactors-Sales?</b></p><ul><li><b>Data-Driven Autonomy:</b> Work in an environment that actively respects and acts upon your data. Your models will directly influence high-value commercial decisions.</li><li><b>Vibrant Business Hub:</b> Benefit from a modern workspace in Ar Rayyan, a rapidly growing epicenter of commerce, innovation, and culture in Qatar.</li><li><b>Accelerated Growth:</b> We are scaling fast. High performers who demonstrate analytical leadership will find direct pathways into executive risk management positions.</li><li><b>Premium Compensation:</b> An exceptional, tax-free salary package matched with comprehensive health benefits and performance-linked incentives.</li></ul><p><b>How to Apply</b></p><p>If you have the analytical precision and strategic mindset to secure our commercial operations, click <b>&quot;Apply Now&quot;</b> to submit your updated CV.</p><p>Pay: QAR432,000.00 per year</p><p>Work Location: In person</p>

Senior Risk Analyst

Wells Fargo

<div>The Corporate &amp; Investment Bank (CIB) delivers a comprehensive suite of banking, capital markets and advisory solutions, including a full complement of sales, trading and research capabilities, to corporate, government and institutional clients. We focus on our clients' overall financial needs, with consideration and respect for their total relationship with Wells Fargo. Learn more about the career areas and lines of business at wellsfargojobs.com.<br>
<br>
<br>
<br>
<b>About this role:</b><br>
<br>
Wells Fargo is seeking an Analyst to support the Portfolio Strategy &amp; Credit Administration and Capital Optimization &amp; Returns teams within the Corporate &amp; Investment Bank (CIB). This role plays a key part in managing the CIB credit portfolio, evaluating capital deployment, and supporting leadership with high-quality insights and materials.<br>
<br>
This unique opportunity provides exposure from both a risk management/strategy as well as business capital and returns perspective. The Analyst will collaborate with partners across Coverage, Underwriting, Corporate Treasury, Finance, and Enterprise Risk to support disciplined portfolio management, strategic growth strategy, and improved returns.<br>
<br>
This position is suited for individuals with strong analytical skills, exceptional Excel and PowerPoint capability, and an interest in capital, credit, and portfolio strategy.<br>
<br>
<b>In this role, you will support:</b><br>
<br>
<b>Capital Optimization
</b><ul><li>Assist in evaluating return on capital for new and existing transactions</li><li>
Utilize profitability and pricing tools to assess capital efficiency</li><li>
Support efforts that improve capital deployment, enhance return frameworks, and strengthen data quality</li></ul><br>
<b>
Portfolio Strategy &amp; Credit Administration
</b><ul><li>Monitor portfolio trends, credit policy exceptions, industry exposures, and emerging risk themes</li><li>
Assist in regulatory reporting processes, limit framework tracking, and enterprise-wide portfolio routines</li><li>
Support review and control processes for the CIB-Banking portfolio</li></ul><br>
<b>
Analytics, Reporting &amp; Presentation
</b><ul><li>Assist with the creation and maintenance of standardized reporting, dashboards, and recurring analytics for portfolio performance, capital usage, industry trends, and asset quality</li><li>
Analyze client-level, industry-level, and portfolio-level data to support capital allocation, RWA assessments, regulatory capital considerations, return analyses, and inherent risk management</li><li>
Support production of polished, executive-ready PowerPoint presentations for senior management, capital and risk committees, and cross-functional forums</li><li>
Assist on materials related to spread performance, loan origination trends, repricing, and macro portfolio outcomes</li></ul><br>
<b>
Cross-Functional Collaboration</b><ul><li>
Partner with Underwriting, Treasury, Coverage, Finance, and Risk to gather inputs and create materials for transaction and portfolio reviews</li><li>
Participate in cross-functional initiatives aimed at enhancing portfolio monitoring, standardizing analytics, and improving reporting infrastructure</li></ul><b>
Required Qualifications:
</b><ul><li>6+ months of Corporate Banking Relationship Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education</li></ul><b>
Desired Qualifications:
</b><ul><li>Foundational understanding of wholesale credit, capital markets, corporate lending, and regulatory capital concepts</li><li>
Familiarity with portfolio management practices, RWA methodologies, or profitability frameworks</li><li>
Experience working with large datasets or reporting/BI tools</li><li>
Interest in developing expertise in capital optimization, portfolio strategy, and credit risk</li><li>
Advanced Excel skills (modeling, financial calculations, data analysis)</li><li>
Advanced PowerPoint skills with the ability to produce executive-ready presentations</li><li>
Strong analytical and problem-solving skills</li><li>
Familiarity with AI prompting techniques</li><li>
Excellent verbal, written, and interpersonal communication skills</li><li>
Ability to effectively interact with senior leaders and cross-functional partners</li><li>
Ability to work independently, manage multiple priorities, and collaborate across teams</li><li>
Strong organization and prioritization skills with ability to meet deliverables in a fast-paced, deadline driven environment</li></ul><b>
Job Expectations:</b><ul><li>
Willingness to work on-site in accordance with current office requirements</li><li>
Visa sponsorship is not available</li><li>
Registration for FINRA Series 79 must be completed within 90 days of hire date if it is not available for transfer upon hire. FINRA recognized equivalents will be accepted.</li><li>
Registration for FINRA Series 63 must be completed within 90 days of hire date if it is not available for transfer upon hire. FINRA recognized equivalents will be accepted.</li><li>
For specific FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite may also be required</li><li>
This position is subject to FINRA Background Screening Requirements, including successful completion and clearing of a background check. Internal transfers are subject to compliance with 17 CFR 240.17f-2 of the Securities Exchange Act of 1934 and FINRA Bylaws, Article III, Section 3, which states that Associated Persons should not be subject to statutory disqualification Successful candidates must also meet ongoing regulatory requirements including additional screening and are required to report certain incidents.</li><li>
Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process.</li></ul><b>
Posting Locations:</b><br>
<br>
Charlotte, NC: 550 S Tryon<br>
New York, NY: 30 Hudson Yards<br>
<br>
<b>Base Salary NC and NY:</b><br>
<br>
Base pay range: $100,000-110,000<br>
<br>
<b>Pay Range</b><br>
<br>
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.<br>
$90,000.00 - $150,000.00<br>
<b>Benefits
</b><br>
<br>
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.<ul><li>
Health benefits</li><li>
401(k) Plan</li><li>
Paid time off</li><li>
Disability benefits</li><li>
Life insurance, critical illness insurance, and accident insurance</li><li>
Parental leave</li><li>
Critical caregiving leave</li><li>
Discounts and savings</li><li>
Commuter benefits</li><li>
Tuition reimbursement</li><li>
Scholarships for dependent children</li><li>
Adoption reimbursement</li></ul><b>
Posting End Date:</b><br>
16 Apr 2026<br>
<ul><li><b>Job posting may come down early due to volume of applicants.
</b></li></ul><br>
<b>We Value Equal Opportunity</b><br>
<br>
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.<br>
<br>
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.<br>
<br>
<b>Applicants with Disabilities</b><br>
<br>
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .<br>
<br>
<b>Drug and Alcohol Policy</b><br>
<br>
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.<br>
<br>
<b>Wells Fargo Recruitment and Hiring Requirements:</b><br>
<br>
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.<br>
<br>
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.</div>

Analyst, Corporate Banking - Capital & Portfolio Management

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

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