Assistant Vice President And Lead Credit Manager

Job description / Role

Job purpose:

To support the preparation, assessment, structuring, and ongoing management of transport & logistics and industrials & manufacturing credit exposures across UAE and selected international markets. The role contributes to end-to-end credit analysis, including underwriting, credit pack preparation, approval recommendations, and post-approval monitoring, in line with the banks risk appetite, sector strategy, and regulatory requirements.

The position works closely with senior credit colleagues, relationship, product, risk, and legal teams on a range of financing structures, gaining exposure to complex transactions while operating within established credit frameworks.

Key accountabilities:

• Perform detailed credit analysis and risk assessment for sector related transactions, including working capital financing, corporate level debt, and structured asset financing.
• Prepare/write credit applications, financial analysis, and approval recommendations.
• Support structuring of facilities such as term loans, revolving facilities, and guarantees, ensuring alignment with approved risk parameters.
• Support sector-specific portfolio management, including credit reviews, covenant monitoring, account conduct oversight, and tracking financial performance and risk indicators.
• Collaborate with coverage and product teams on credit assessments and client meetings.
• Contribute to responses for audit, regulatory, and internal review queries related to assigned transactions and portfolio accounts.
• Ensure credit work adheres to group credit policies, sector-specific underwriting standards, and delegated approval frameworks.
• Maintain agreed credit processing timelines (SLAs) while ensuring accuracy and completeness of submissions.
• Build and maintain understanding of UAE and global sector trends including key regulatory and risk developments affecting the sector.
• Participate in internal discussions and training related to sector risk, underwriting standards, and portfolio trends.

Qualifications & experience:

• Bachelors degree in finance, accounting, or a related field (mandatory).
• Professional qualification preferred: CA, CFA, CPA, CAIA.
• Minimum of 6 years experience in banking, including at least three years focused on credit analysis or risk roles—ideally within the transport & logistics or industrials & manufacturing sectors.
• Candidates should be able to operate within established credit frameworks while exercising independent judgment.
• Preference will be given to those with underwriting and credit analysis experience specific to these sectors.

About us:

First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the worlds largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.

Life at FAB:

Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to "Grow Stronger." We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization.

Career development:

FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.

Our values:

At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globally that rewards your hard work and dedication.

Join our team and be part of a journey to shape the future of banking.