VP- Credit Risk Policy & Analysis; Emiratised

VP
- Credit Risk Policy & Analysis (Emiratised)

Join to apply for the VP
- Credit Risk Policy & Analysis (Emiratised) role at First Abu Dhabi Bank (FAB)

Are you ready to join us on our exciting transformation journey at the largest bank in the UAE? This is an opportunity to make a real impact on our customers, employees, shareholders, and communities, as part of the FAB team. We're committed to our grow stronger movement, and as a member of our team, you'll have access to everything you need to advance your career and make a meaningful contribution to our shared success.

If you're looking for a career that will help you stand out and make a difference, now is the time to join us. Let's work together to achieve great things.

JOB PURPOSE:

Responsibilities include ensuring portfolio is within group risk appetite, early detection of any deterioration in the portfolio quality, and provide comprehensive review of the quality of the book. The role holder’s primary responsibilities include:

• Credit Review of proposal submitted to CEC and BMC.
• Country Risk Limit and Industry Risk Limit approval and Monitoring.
• Review of Policies, Procedures, and Frameworks.
• Review of WB and International Banking IFRS 9 staging and Provisioning review process as per Regulatory requirement and internal policy including International locations.
• Analysis of Assets Quality, Impairment Charge, Coverage and COR by business segment for WB and International Banking.
• Preparation of detailed monthly dashboards and analysis reports by business segments/products and Management.
• Credit Risk Reporting analysis and regulatory aspects such as Asset Quality, Impairment, provision adequacy and credit portfolio monitoring & reporting.

• Implement group-wide Credit Risk policies and procedures.
• Ensure compliance with all relevant procedural and legislative requirements.

• Monitor and review overdue lines through the Past Due Not Impairment (PDNI) process.
• Liaise with stakeholders to obtain PDNI data and follow up on action plans.
• Prepare reports for CEC and regulators on credit quality and PDNI portfolio.
• Proactively identify signs of credit portfolio deterioration.

• Prepare detailed risk presentations for CCB, IB, and international portfolios for CEC, Board Risk & Compliance Committee (BRCC), and Group Risk Committee (GRCC).
• Conduct risk analysis and thematic reports for senior management.
• Review ECL files and support ECL optimization.

• Prepare and ensure accuracy of PDNI-related regulatory reports.
• Support ERM team on risk-related regulatory reporting.
• Ensure compliance with internal and external policies and standards.

• Review credit proposals for CEC1 under CCB, IB, and international corporates/conglomerates.
• Provide feedback on product programs and credit policies.

• Seek opportunities for continuous improvement and sustainability of systems and processes.

• Ensure timely and accurate preparation of departmental reports.

Specific Accountability

• Help SVP & Head of CCB & IB Credit Risk & Portfolio Management in establishing a WB and International Banking Credit Risk Management Framework.
• Review and analysis of WB and International Banking credit risk policies Credit Policies, Product Programs, RACs, C2P2 from Credit Risk prospective in coordination with respective credit team and product representative of business.
• Partner with WB and International Banking Credit in development, rollout and maintenance of Score Cards.
• Help SVP & Head of CCB & IB Credit Risk & Portfolio Management in Development of framework for validation of Credit Rating models.
• Support designing WB and International Banking application score card cut off strategies and scorecard usage guideline for credit approval.
• Identify credit risk emanating from existing as well as new products that are being launched by WB and International Banking.
• Carry out thematic portfolio stress testing/scenario…