Lead Corporate Credit

Review new annual and interim credit proposals for large corporate clients across diverse industries recommending approval or rejection based on comprehensive risk assessment Analyse financial statements repayment capacity industry outlook and borrower risk to assess creditworthiness Prepare clear credit assessments presentations and recommendations escalating proposals for approval in accordance with delegated authority Ensure compliance with credit policies regulatory requirements internal procedures and agreed turnaround times Identify emerging risks and work with Relationship Managers to obtain clarification and implement corrective actions Monitor portfolio performance including sector and borrower concentrations non-performing loans and other key risk indicators Assess expected credit losses and staging considerations under IFRS 9 Prepare facility approval letters and related communications to business teams Support internal credit ratings financial spreading and analysis using Moody s Risk Analytics MRA Contribute to enhancements in credit systems risk models and portfolio reporting tools Collaborate with Business and Risk Management teams to improve credit processes and analytical capabilities Guide and mentor team members including UAE national employees and oversee credit-related projects and special assignments

Relevant university degree, preferably in Finance, Accounting, Economics or Business; a master s degree is an advantage. Relevant professional qualifications are preferred. Minimum 10 years of relevant experience , including at least 5 years at managerial level within credit . Strong experience assessing large corporate borrowers across multiple industries. Proven capability in financial statement analysis, credit assessment and portfolio risk monitoring.

Good understanding of credit-related laws, regulatory requirements and banking credit policies. Working knowledge of IFRS 9, expected credit losses and credit staging. Experience with Moody s Risk Analytics or comparable credit analysis platforms; credit scoring system experience is preferred. Strong analytical, numerical and computer skills, with close attention to detail. Sound commercial judgment and the ability to make clear, well-supported credit recommendations.

Strong communication, presentation, stakeholder management and team development skills. Ability to manage competing priorities and deliver high-quality assessments under tight deadlines