AVP & Lead, Credit Management, Industrial & Manufacturing

Job Purpose

To support the preparation, assessment, structuring and ongoing management of Transport & Logistics, Industrials & Manufacturing credit exposures across UAE and selected international markets. The role contributes to end‑to‑end credit analysis including underwriting, credit pack preparation, approval recommendations and post‑approval monitoring in line with the Bank's risk appetite, sector strategy and regulatory requirements. The position works closely with senior Credit colleagues, Relationship, Product, Risk and Legal teams on a range of financing structures, gaining exposure to complex transactions while operating within established credit frameworks.

• Perform detailed credit analysis and risk assessment for sector‑related transactions, including working capital financing, corporate‑level debt and structured asset financing.
• Prepare and write credit applications, financial analysis, and approval recommendations.
• Support structuring of facilities such as term loans, revolving facilities and guarantees, ensuring alignment with approved risk parameters.
• Support sector‑specific portfolio management, including credit reviews, covenant monitoring, account conduct oversight, and tracking financial performance and risk indicators.
• Collaborate with Coverage and Product teams on credit assessments and client meetings.
• Contribute to responses for audit, regulatory and internal review queries related to assigned transactions and portfolio accounts.
• Ensure credit work adheres to Group Credit Policies, sector‑specific underwriting standards and delegated approval frameworks.
• Maintain agreed credit processing timelines (SLAs) while ensuring accuracy and completeness of submissions.
• Build and maintain understanding of UAE and global sector trends, including key regulatory and risk developments affecting the sector.
• Participate in internal discussions and training related to sector risk, underwriting standards and portfolio trends.

• Minimum qualification:
  
  Bachelor’s degree in Finance, Accounting or a related field (mandatory). Professional qualification preferred: CA, CFA, CPA, CAIA.
• Minimum experience:
  
  6+ years in banking, with at least 3 years focused on credit analysis or risk roles ideally within Transport & Logistics or Industrials & Manufacturing sectors.
• Candidate should be able to operate within established credit frameworks while exercising independent judgment.
• Preference for those with underwriting and credit analysis experience specific to these sectors.