AVP & Lead Credit Management – Banking

About the role

The role supports the preparation, assessment, structuring and ongoing management of Transport & Logistics and Industrials & Manufacturing credit exposures across the UAE and selected international markets. It involves end‑to‑end credit analysis, underwriting, and post‑approval monitoring in line with the bank’s risk appetite and regulatory requirements.

Key responsibilities

• Perform detailed credit analysis and risk assessment for sector‑related transactions, including working capital financing, corporate debt and structured asset financing.
• Prepare credit applications, financial analyses and approval recommendations.
• Support structuring of term loans, revolving facilities and guarantees, ensuring alignment with risk parameters.
• Manage sector‑specific portfolio activities such as credit reviews, covenant monitoring and financial performance tracking.
• Collaborate with coverage, product, risk and legal teams on credit assessments and client meetings.
• Respond to audit, regulatory and internal review queries related to assigned transactions.
• Ensure compliance with group credit policies, sector underwriting standards and delegated approval frameworks.
• Maintain agreed credit processing timelines while ensuring accuracy and completeness of submissions.

Required profile

• Minimum bachelor’s degree in Finance, Accounting or a related field (mandatory).
• Professional qualification preferred (CA, CFA, CPA, CAIA).
• At least 6 years of banking experience, with a minimum of 3 years focused on credit analysis or risk roles, preferably in Transport & Logistics or Industrials & Manufacturing.
• Ability to operate within established credit frameworks while exercising independent judgment.

Required skills