Credit Specialist wanted – ADCB bank – Abu Dhabi

ADCB bank Abu Dhabi logo

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ADCB bank Abu Dhabi logo
ADCB bank Abu Dhabi logo

Expiry Date: 2018/12/30
Ref. JB3847761
Credit Specialist
 
Job Description
JOB PURPOSE

To conduct credit risk analysis on corporate credit proposals for an assigned credit portfolio and recommend appropriate solutions to maintain the quality of the bank’s assets, whilst ensuring compliance with regulatory and internal control requirements
 
ACCOUNTABILITIES
 
Credit Risk Evaluation:
Conduct a detailed risk assessment in accordance with ADCB (Unified Credit Culture) principles for a designated portfolio and recommend to approve/rework and/or reject credit proposals so as to decision quality deals for the bank

Credit Assessment Quality:
Ensure credit assessments and new assets booked maintain or improve the average rating of the portfolio and risk adjusted return on oapital (RAROC) to maintain quality of the bank’s assets

Portfolio Management and Control:
Manage assigned portfolio to ensure average credit rating /RAROC does not deteriorate

Capital Implications and Risk Weighted Assets:
Capture and categorise capital implications in risk assessment notes associated with each type of asset class to ensure capital adequacy is accurately calculated

Legal Risk:
Consider proposals to ensure these are accurately legally structured in line with local and international standard documentation (such as LMA and ISDA) in order to minimize loss for the bank

Macro-Economic Environment:
Assess loan proposals in the context of the prevailing macro-economic environment in order to reduce the banks’ exposure to higher risk economic segments

Risk Systems:
Input/capture different asset types accurately in the bank’s core banking systems to enable accurate reporting

Project Management
: Assist risk related projects in order to ensure implemented in a manner which supports the risk management framework for the bank

Policies, Processes, Systems and Procedures
: Adhere to all relevant organisational and departmental policies, processes, standard operating procedures and instructions so that work is carried out to the required standard and in a consistent manner while delivering the required standard of service to customers and stakeholders

Customer Service:
Demonstrate Our Promise and apply the ADCB Service Standards to deliver the bank’s required levels of service in all internal and external customer interactions

Skills
EXPERIENCE, QUALIFICATIONS & COMPETENCIES

Minimum Experience

At least 5 years of experience in banking with at least 3 years in credit risk management/relationship management in a commercial banking environment

Minimum Qualifications

Bachelor’s Degree in Business, Economics, Finance or Accounting

Knowledge and Skills

Risk Analysis/Assessment Skills

Financial Analysis/Assessment Skills

Microsoft Office (Word; Excel and PowerPoint)