Assistant Manager – Credit role

Job Description

Reporting To: Head of Credit & Risk

Job Purpose:

To assist the Head of Credit & Risk in evaluating, recommending, and monitoring credit proposals in line with Credit Policy, Risk Appetite, and regulatory requirements to ensure quality underwriting, effective risk mitigation, and portfolio sustainability.

Key Responsibilities:

• Conduct detailed credit and financial analysis of prospective clients using financial statements and analytical tools (e.g., Moodys, spreadsheets).
• Prepare comprehensive credit proposals highlighting key risks, deviations, mitigants, and recommendations.
• Evaluate and propose appropriate security structures, including LTV, DSCR, and coverage assessments.
• Support the development, implementation, and review of credit and risk management policies.
• Liaise with business teams to ensure risk-aligned growth and effective portfolio management.
• Monitor portfolio performance, conduct annual reviews, and prepare risk and regulatory reports as required.
• Assist in ensuring compliance with UAE Central Bank regulations and internal policies.
• Contribute to process improvements and risk mitigation initiatives.

Qualifications & Experience:

• Education: Bachelors degree in Commerce, Finance, or related field.
• Experience: Minimum 5 years in Credit & Risk functions within a Bank or Finance Company.
• Strong proficiency in financial analysis, credit assessment, and risk evaluation.

Skills & Competencies:

• Technical: Financial modelling, analytical skills, knowledge of credit appraisal systems, MS Office proficiency.
• Cognitive: Problem-solving, attention to detail, decision-making, change management.
• Interpersonal: Effective communication, relationship building, negotiation, conflict resolution.
• Behavioral: Ethical conduct, resilience, initiative, professionalism.

Performance Areas:

• Credit analysis & underwriting quality
• Policy & regulatory compliance
• Internal stakeholder coordination
• Risk reporting & MIS
• Innovation & process improvement
• Ongoing portfolio monitoring