Credit Specialist - ADCB Abu Dhabi Commercial Bank

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


 


 

Job Details

Posted Date: 2018-10-31
Job Location: Abu Dhabi, United Arab Emirates
Job Role: Banking
Company Industry: Banking

Preferred Candidate

Career Level: Management


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