Credit Manager - UAE
Job Description
Support the establishment and growth of GROW’s UAE lending and forfaiting business by assessing creditworthiness, developing underwriting policies and monitoring portfolio quality. The role will contribute credit expertise to product development and help establish effective credit processes for the new business.
Responsibilities
Conduct credit assessments of business borrowers, merchants, counterparties and obligor banks across lending and forfaiting transactions.
Analyse financial statements, cash flows, banking conduct, credit bureau information and transaction documentation to assess repayment capacity.
Prepare credit proposals and recommend facility amounts, repayment terms, credit limits, security and other conditions for approval.
Develop and maintain credit policies, underwriting criteria, assessment templates and approval workflows.
Assess forfaiting transactions, including the underlying receivables, payment instruments, obligor and bank creditworthiness, and relevant country exposure.
Contribute to the development of lending and forfaiting products, defining appropriate credit eligibility criteria and controls.
Monitor portfolio performance, exposure concentrations and early warning indicators, recommending corrective actions where necessary.
Work closely with Commercial, Operations, Finance, Legal and Compliance to support sound transaction execution and adherence to applicable requirements.
Maintain complete credit documentation and prepare regular portfolio and credit reports for management.
Review and improve credit policies and procedures as the business develops.
Requirements
Typically 7–10 years of relevant experience in credit analysis, SME or corporate lending, and trade finance, including at least 3 years of hands-on UAE experience.
Candidates with 5–7 years may be considered at Manager level where they demonstrate the required technical depth and ownership.
Practical experience assessing and structuring both business lending and forfaiting transactions.
Strong financial analysis skills, including assessment of cash flows, repayment capacity, facility structures and credit mitigants.
Working knowledge of UAE lending requirements, relevant CBUAE regulations, AML/CFT considerations and Al Etihad Credit Bureau practices.
Experience developing or improving credit policies, underwriting processes and portfolio-monitoring practices.
Experience contributing to the design or launch of financing products.
Bachelor’s degree in Finance, Accounting, Economics or a related discipline.
Relevant credit training or professional qualifications such as CFA or FRM are preferred.