About the job

• Job Purpose: Support the Corporate Finance team in preparing high-quality credit proposals for new and existing transactions, ensuring full alignment with the Bank’s credit policies, internal approval standards, and applicable regulatory requirements.
• Monitor the assigned credit portfolio to maintain the quality and soundness of credit risk assets, identify early warning signals, and keep senior team members informed of material developments.
• Prepare technical authorization requests, including temporary excess limits, facility validity extensions, waivers, amendments, and enhancements, to secure timely approvals from the relevant authorities.
• Track annual review timelines and coordinate timely submission of complete annual review packages, including financial spreads, Moody’s Risk Assessment ratings, annual credit memoranda, and summary of limits sheets.
• Coordinate with internal stakeholders to ensure efficient service delivery to Corporate Finance clients and timely resolution of operational, documentation, compliance, fraud, AML, and portfolio-related matters.
• Demonstrate UAB’s values of integrity, customer focus, competence, consistency, and courteousness in all internal and external interactions.

• Principle Accountabilities: Prepare comprehensive credit appraisals covering financial analysis, business assessment, risk evaluation, facility structure, repayment sources, and key mitigants, ensuring submissions comply with credit policy, TMRAC requirements, and CBUAE guidelines.
• Liaise with clients, lead banks, facility agents, seller banks, and other relevant counterparties to obtain information required for annual reviews, new primary transactions, secondary market opportunities, amendments, and waivers.
• Support the Senior Manager, Team Leader, and Head of Corporate Finance in business development activities, including client pitches, information memoranda, term sheets, mandate letters, commitment letters, NDAs, and transaction follow-ups.
• Ensure credit proposals, annual reviews, interim memoranda, technical authorizations, and internal reports are submitted within agreed SLAs, turnaround times, and deal-specific timelines.
• Monitor portfolio quality through regular review of past dues, financial covenants, facility maturities, scheduled principal and interest payments, rollovers, asset classification, and other early warning indicators.
• Assist in managing watch-list or problem accounts by preparing analysis, recommending remedial actions, and coordinating with senior team members and relevant control functions.
• Coordinate with credit, CAD, operations, legal, compliance, account opening, and support teams to complete security documentation, KYC requirements, account opening formalities, credit file maintenance, and periodic reporting.
• Participate in credit-related internal and external audits, including Central Bank inspections, by providing required documentation, explanations, and follow-up support.
• Attend relevant conferences, seminars, and market events to support networking with banks, financial institutions, and corporate clients.
• Complete assigned training requirements and continuously develop technical, credit, regulatory, and relationship management capabilities.