Senior Credit Manager

The Credit function within Emirates Islamic is responsible for the independent assessment, monitoring, and control of credit risk across the bank’s portfolio. The unit ensures that all credit exposures are aligned with the bank’s risk appetite, internal policies, and regulatory requirements set by the UAE Central Bank. It supports sustainable business growth by enabling informed credit decision-making, maintaining asset quality, and minimizing potential losses.

Through robust credit evaluation, ongoing portfolio monitoring, and policy development, the unit enhances risk governance, ensures timely processing of credit proposals, and contributes to maintaining a strong and healthy credit portfolio.

• Manage and monitor the assigned credit portfolio, ensuring asset quality and compliance with risk parameters.
• Review and approve credit proposals within delegated authority and recommend higher-value cases to senior committees.
• Conduct detailed credit analysis, including financial statement reviews and risk assessments.
• Ensure all credit facilities comply with internal policies and UAE Central Bank regulations.
• Monitor portfolio performance, identify early warning signals, and recommend corrective actions.
• Engage with internal stakeholders, including Relationship Managers and Risk teams, to support business objectives.
• Support audits, regulatory reviews, and contribute to policy and process improvements.

• Bachelor’s degree in Finance, Banking, Accounting, or a related field (Master’s preferred).
• 10-15 years of experience in banking, with a strong focus on Corporate Credit.
• Strong knowledge of credit risk analysis, financial statement analysis, and lending frameworks.
• Familiarity with UAE Central Bank regulations and banking compliance standards.
• Professional certifications such as CFA, CA, or CPA are an advantage.
• Strong analytical, decision-making, and stakeholder management skills.