AVP & Credit Lead- Commercial Real Estate

AVP & Credit Lead- Commercial Real Estate

First Abu Dhabi Bank
12-15 years
Not Specified

Job Description



Job Description

The Unit Head Job is responsible for the overall portfolio health of the Commercial Real Estate lending book. Being one of the fastest growing business and given the complexities of the underlying credit risk, the job entails efficient handling of a team of experienced credit underwriters and review of the detailed credit proposals.
  • Review/ recommend loan proposals keeping in mind the approved credit policies, procedures and general economic environment and to ensure high quality of underwriting thereby ensuring the good health of the assigned portfolio.
  • Ensure annual credit proposals/reviews are conducted in a timely fashion and all applicable covenants are duly tracked.
  • Adhere to & comply with departmental policies, process, standard operating procedures and practises so that work is carried out in a smooth & methodical manner.
  • Exhibit consistency with organization's values and ethics at all times to demonstrate a value driven culture within the bank.
  • Contribute towards continuous improvement and sustainability of systems, processes and methods in line with changing needs and requirements so as to efficiently carry out the duties.
  • To handle the team of credit underwriters effectively and oversee allocation of work to ensure smooth functioning of the unit and the efficacy in the underwriting process.
  • To co-ordinate with the various business units and have frequent meetings with the business heads/ team leaders/ RM to ensure sorting out of pending issues and effective pipeline management.
  • To work in close co-ordination with all stakeholders (viz Business team, monitoring and policy team, Risk Team auditors, external teams like ENY) to ensure deliverables as required of the role.
  • To intensely review the proposal given by underwriter and ensure the same is in accordance with Central Bank/ FAB's laid down policy and procedures.
  • Analyse Client's financial statement-Bank statement and /or Audited financial Statements/Rental Roll Report/ Collateral Details etc, look into client's credit history/credit reports/ system checks to meet bank's lending standards.
  • To meet the client, if required to understand overall profile and requirement of the client and to gauge the strengths/ weaknesses of the case proposed by BU thereupon.
  • Review & analyse restructure requests given by the existing loan customers and recommend in line with the bank's policy.
  • To ensure timely renewal of the cases where renewal is warranted.
  • To work in co-ordination with the monitoring team and take up with business in case of non compliance of terms and conditions.
  • Review deferral/waiver or rental release requests given by the existing customers and recommend the same keeping in mind the credit risk involved. Thereby ensure closure of deferrals in timely manner.
  • Process of loan applications and service requests efficiently and within the agreed SLA's.
  • Ensure completion of the required MIS as required from time to time.
  • To be able to work in pressure conditions without compromising on the credit underwriting quality.
  • To handle and work towards closure of the projects allocated for upgradation/ improvement and value addition of the process/ policy.
  • To prepare succession plan in medium to long term and to provide continuous on the job training or to arrange for the relevant external/ internal training for the team

Qualifications

Qualification :
  • Minimum education required: Minimum Bachelor's degree in any field.

Experience:
  • Minimum 12-15 years in Corporate and/or Real Estate Credit function

Job Details

Employment Types:

Function:

Now it's your time to join the #1 bank in the Middle East and one of the most prestigious financial companies in the region. Shaking up the world of banking requires a lot of smarts and skill. We're looking for the brightest and best to help us reach our goals and we'll also help you reach yours. Your success is our success as you grow stronger in your career. Join us and leave a legacy of your own, as a pioneer in both the company and the industry.

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