Job Purpose: Conducting comprehensive reviews of credit proposals, assessing credit risk, to ensure adherence to established credit policies and procedures, under the new Credit Risk Management (CRM) standards.

• Credit Proposal: Reviews Review and identify areas of credit risk associated proposals, as governed by the credit policies and risk appetite to ensure issues are identified and actioned Identify discrepancies, weaknesses, or potential areas of concern within credit proposals in order to provide recommendations for improvement.
• Risk Assessment: Analyse credit risk factors, including borrower financials, industry trends, market conditions, and collateral valuation in order to determine the overall creditworthiness of borrowers Assess the appropriateness of credit risk ratings assigned to individual loans and recommend adjustments as necessary to ensure they are in compliance with Banks requirements Monitor portfolio risk metrics and trends in order to identify emerging risks and opportunities for risk mitigation.
• Policy Adherence: Ensure compliance with internal credit policies, procedures and lending guidelines, as well as regulatory requirements, such as Basel and other relevant Banking regulations to ensure all policies and procedures are complied with at all times Provide guidance and support to lending teams regarding credit policy interpretation and application to ensure full understanding and compliance.
• Reporting and Documentation: Prepare detailed credit review reports summarising findings, conclusions and recommendations for credit risk management, senior management and regulatory purposes to ensure full understanding of the data presented Maintain accurate and up-to-date documentation of credit review activities, findings and resolutions to ensure all data provided is accurate.
• Collaboration and Communication: Collaborate with various stakeholders, including credit officers, underwriters, and senior management, in order to address creditrelated issues and implement corrective actions Communicate effectively with internal to ensure transparency and compliance with regulatory requirements.
• Policies, Processes, Systems and Procedures: Adhere to all relevant organisational and departmental policies, processes, standard operating procedures and instructions so that work is carried out to the required standard and in a consistent manner while delivering the required standard of service to customers and stakeholders.
• Self-Management: Manage self in line with the Banks people management policies, procedures, processes and practices to ensure adherence and to maximise own contribution to business performance.
• Customer Service: Demonstrate Our Promise and apply the ADCB Service Standards to deliver the Banks required levels of service in all internal and external customer interactions.

SkillsEXPERIENCE, QUALIFICATIONS & COMPETENCIES:

• At least 7 years of experience in banking with at least 8 years in core corporate banking or credit function.
• 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.

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