# AVP & Lead, Credit Management — First Abu Dhabi Bank

Canonical: https://jobxdubai.com/jobs/1644-avp-lead-credit-management
Location: Abu Dhabi, UAE
Type: full_time · Level: senior
Monthly salary: AED 30,000 to 55,000 per month (estimated, not employer-stated) (UAE salaries are tax-free)
Posted: 2026-04-21
Apply: https://ehjd.fa.em2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/fabCareers/job/1644/apply/email

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## Description

Job Purpose: To enable the assessment and credit decisions relating to credit facilities and mortgage loans within agreed SLA. Job Responsibilities: Analyze high-ticket self employed and rental backed proposals. Manage underwriting team performance. Maintain underwriting standards and prudent DOA usage. Minimize credit risk through effective risk review. Support underwriting flow through guidance to team members. Ensure prompt CAS approvals within DOA. Ensure SLA TAT compliance. Review and resolve quality checks. Participate in automation and efficiency initiatives. Timely execution of tasks assigned by Line Manager. Key Accountabilities: Core Responsibilities Ensure underwriting quality and portfolios remain within the bank’s risk appetite. Prepare and present credit memos for escalation of high ticket self employed and rental backed mortgage cases, ensuring clear documentation of risks, deviations, mitigants, and recommendation.” Improve TAT and operational efficiencies. Create effective workflows for processing and tracking files. Ensure compliance with policies and documentation requirements. Maintain minimal error rates and audit observations. Ensure verification and processes follow policy guidelines and SOPs. Ensure all KYC and documentation comply with C2P2 prior to approval. Monitor and report policy exceptions and loan booking trends. Interpret policies and ensure proper credit analysis to improve asset quality. Supervise and maintain tracking systems for periodic reports. Support automation initiatives and system changes. Lead the Credit Secured Products department to achieve assigned objectives through performance management, staff development, and motivation. People Management Define goals and KPIs; ensure implementation of FAB performance management process. Implement Manager Scorecard responsibilities (engagement, performance, mandatory learning). Act as role model and drive adherence to organizational values and ethics Policies, Systems, Processes & Procedures: Ensure effective implementation of Credit & Collections Personal Banking policies, procedures, and controls, meeting procedural and legislative requirements within agreed TAT while delivering quality customer experience. Credit Initiation Management Manages Credit Initiation team for Mortgage Underwriting to support the bank’s risk tolerance and asset growth objectives Ensures exception approvals beyond policy or scoring cut-offs are taken at the appropriate authority level with clear justifications Enhances use of technology to improve efficiency and effectiveness Business Support Establishes strong working relationships with key stakeholders including collections, remedial management, product, and segment teams Reporting Ensure all department reports are prepared timely, accurately, and in line with Group requirements and quality standards Qualifications & Experience: Bachelor’s degree, in Business, Finance, Accounting, Economics, Commerce or related discipline (preferred). Minimum 6 years relevant banking experience including at least 3 years in a similar role. Experience in team and process management.

## Requirements

Qualification: Bachelor’s degree in Business, Finance, Accounting, Economics, Commerce or related discipline (preferred). Experience: Minimum 6 years relevant banking experience including at least 3 years in a similar role. Experience in team and process management.

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