Credit Officer

Job Description

Position: Credit Officer

Experience: Minimum 5 years in Banking or Financial Institutions (SME, Large corporate and Supply Chain Finance lending) (Minimum 3 years of similar UAE experience)

Location: Abu Dhabi, UAE (ONSITE)

Role Summary:

The Credit Officer will play a key role in driving sound credit decisions and maintaining a healthy asset portfolio.

Key Responsibilities:

• Review and analyze credit proposals for various lending facilities including working capital, term loans, overdrafts, and SCF products.
• Conduct detailed due diligence including assessment of financial statements, cash flows, bank statements, and management profiles.
• Approve credit limits within delegated authority and recommend higher exposures for committee approvals.
• Develop and implement credit risk assessment frameworks and ensure compliance with regulatory and internal policies.
• Continuously monitor asset quality, identify early warning signals, and recommend corrective actions.
• Collaborate with business and collections teams to maintain portfolio performance.
• Provide guidance and mentorship to junior credit analysts and ensure quality of credit underwriting.
• Participate in policy reviews, process improvements, and implementation of best practices.
• Prepare periodic portfolio MIS, risk reports, and present to senior management.
• Liaise with auditors, regulators, and internal stakeholders for credit audits and reviews.

Key Requirements:

• Minimum 5 years of progressive experience in credit underwriting and management in a bank or Financial institutions.
• Strong understanding of credit products for SME, Large corporate and Supply Chain Finance segments.
• Proficiency in financial statement analysis, cash flow forecasting, and risk assessment.
• Exposure to credit monitoring tools, early warning systems, and portfolio management.
• Strong decision-making, communication, and leadership skills.
• Ability to work under pressure and manage multiple priorities.
• Strong understanding of credit policies, operational processes, documentation standards, and credit control frameworks.
• Comprehensive knowledge of applicable CBUAE regulatory requirements and guidelines.

Educational Qualification:

• MBA (Finance) / Chartered Accountant (CA) / Postgraduate degree in Finance, Commerce, or related field.