Purpose:
Support the Head of Credit & Risk in assessing, underwriting, and approving credit applications within company policy, ensuring compliance with regulatory requirements and effective risk management in line with board-approved risk appetite.

Key Responsibilities:

• Assist in developing, implementing, and maintaining credit and risk management policies.
• Analyse financial statements, business models, and market trends to identify and mitigate credit risks.
• Conduct detailed credit checks, review securities, and prepare comprehensive credit proposals.
• Collaborate with business teams to safeguard portfolio quality while maintaining strong client relationships.
• Ensure compliance with UAE Central Bank and other regulatory requirements.
• Prepare and monitor portfolio MIS, quarterly risk reports, and regulatory submissions.
• Support portfolio monitoring and annual reviews.

Qualifications & Experience:

• Bachelors degree in Commerce/Finance.
• Minimum 5 years experience in Credit & Risk within a bank or finance company.
• Strong financial analysis and credit assessment skills.

Skills & Competencies:

• Analytical thinking, attention to detail, and sound judgment.
• Strong interpersonal and negotiation skills.
• Proficiency in financial modelling, risk assessment tools, and MS Office.