Head of Policies and Credit Review - UAE National only

Job Purpose: Lead the policy team and setting up an independent credit review division in Credit Risk Management (CRM) to ensure all documentation and process are updated in line with changing requirements and adhered to at all times.

1. Developing Policies and Guidelines: Formulate credit risk policies and guidelines to ensure they reflect the defined risk appetite Provide a framework for credit underwriting standards, risk assessment methodologies and exposure limits to ensure they are in line with the institution's risk tolerance.
2. Running and Aligning Credit Review Process: Review and update the credit review processes to ensure they are aligned with the established CRM standards and mutually agreed process Oversee the development and implementation of methodologies, models, and frameworks that assess credit risk to ensure they are within the defined boundaries.
3. Risk Assessment and Monitoring: Monitor the credit portfolio regularly in order to assess adherence to the risk appetite Analyse risk metrics, trends, and performance indicators in order to identify any deviations from the established risk parameters.
4. Risk Mitigation Strategies: Collaborate with risk management teams in order to develop and implement risk mitigation strategies in case of potential deviations or breaches from the risk appetite Adjust lending practices, portfolio restructuring, or implementing additional risk controls To ensure they relain within the Banks appetite for risk.
5. Regulatory Compliance: Review and update the credit review processes and risk management activities to ensure they comply with regulatory requirements and industry standards Remain informed about changes in regulations and adapting processes accordingly in order to maintain compliance.
6. Continuous Process Improvement: Maintain a continuous process improvement assessment to the credit review processes, risk assessment methodologies, and lending practices to ensure they fall in line with the institution's defined risk appetite Maintain a balanced approach to credit risk management to ensure alignment with the Banks's strategic goals whilst managing risk within acceptable parameters.
7. People Management: Manage self and team in line with ADCB’s people management policies, procedures, processes and practices to ensure adherence and to maximise own and employee contribution to business performance Manage the effective achievement of the team’s objectives through setting individual objectives, managing performance, developing the team and providing formal and informal feedback to maximise overall performance, engagement and motivation.
8. Policies, Processes, Systems and Procedures: Recommend and implement improvements to departmental policies, procedures and processes covering all areas of activity so that all relevant procedural requirements are fulfilled while ensuring that ADCB delivers best-in-class services, products and innovation.
9. Continuous Improvement: Identify opportunities to contribute to organisational and departmental change initiatives, programmes and projects taking into account best practice and standards in the business environment.
10. 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.

EXPERIENCE, QUALIFICATIONS & COMPETENCIES:

• At least 9 years of experience in Banking with at least 8 years in core credit function in a senior credit manager/team leader position in a commercial banking environment.
• Bachelor's degree in business, economics, finance or accounting.
• Financial analysis/assessment skills/team Management, Excellent communication skills, Knowledge of risk analysis and assessment Management People management skills Leadership skills Microsoft Suite