Credit Manager Private Banking

First Abu Dhabi Bank

Key Responsibilities

• Conduct credit analysis, assessment, recommendation, approval (within DoA), review, monitoring, and recovery for assigned Private Banking portfolios.
• Ensure turnaround times for credit processing and approvals meet SLA commitments.
• Verify that credit requests align with regulatory guidelines, bank policies, and TMRAC standards.
• Identify exceptions and ensure Private Banking teams implement appropriate mitigations.
• Guide Private Banking on structuring facilities, securities, covenants, and documentation requirements.
• Perform due diligence in coordination with Relationship Managers and product teams for prospective and existing clients.
• Follow up on covenant breaches, documentation deficiencies, excesses, and past-due exposures.
• Provide expert input into deal structures based on risk appetite for products, sectors, and geographies.
• Ensure timely availability of accurate data and information for credit decision-makers and senior management.
• Coordinate with CAD, Legal, and internal stakeholders on risk rating, documentation, and collateral assessment.
• Update risk systems including rating models and collateral systems to ensure accurate client risk profiles.
• Recommend policy, framework, and risk model enhancements based on portfolio experience and market conditions.
• Maintain strong audit outcomes through proactive compliance and implementation of recommended actions.

Specific Accountability

• Prepare comprehensive credit proposals highlighting risks, mitigations, and recommendations for new and existing clients.
• Coordinate with RMs to obtain necessary documentation well before annual review deadlines.
• Participate in client meetings and calls to support credit assessment and due diligence.
• Monitor accounts regularly to ensure terms, conditions, and approval requirements are met.
• Oversee mark-to-market revaluation and ensure timely margin call resolution.
• Review exception and portfolio reports to stay updated on client performance, financial standing, and market developments.
• Identify early warning indicators and work with Business Units to implement corrective action plans.
• Manage problem credits and recommend remedial strategies including restructuring and classification adjustments.
• Support team members through knowledge sharing and training participation.

Skills Set

• Private banking credit assessment
• Facility structuring and risk mitigation
• Financial and net worth analysis
• Risk rating and due diligence
• Portfolio monitoring and early warning detection
• Remedial credit management
• Credit systems (risk rating, collateral)
• Policy and governance adherence
• Cross-functional collaboration
• Client meeting participation and advisory