VP- Credit Risk Policy & Analysis (Emiratised)

VP- Credit Risk Policy & Analysis (Emiratised)Join to apply for the VP- Credit Risk Policy & Analysis (Emiratised) role at First Abu Dhabi Bank (FAB)Company DescriptionAre you ready to join us on our exciting transformation journey at the largest bank in the UAE? This is an opportunity to make a real impact on our customers, employees, shareholders, and communities, as part of the FAB team. We're committed to our grow stronger movement, and as a member of our team, you'll have access to everything you need to advance your career and make a meaningful contribution to our shared success. If you're looking for a career that will help you stand out and make a difference, now is the time to join us. Let's work together to achieve great things.Job DescriptionJOB PURPOSE:Responsibilities include ensuring portfolio is within group risk appetite, early detection of any deterioration in the portfolio quality, and provide comprehensive review of the quality of the book. The role holder’s primary responsibilities include:Credit Review of proposal submitted to CEC and BMC.Country Risk Limit and Industry Risk Limit approval and Monitoring.Review of Policies, Procedures, and Frameworks.Review of WB and International Banking IFRS 9 staging and Provisioning review process as per Regulatory requirement and internal policy including International locations.Analysis of Assets Quality, Impairment Charge, Coverage and COR by business segment for WB and International Banking.Preparation of detailed monthly dashboards and analysis reports by business segments/products and Management.Credit Risk Reporting analysis and regulatory aspects such as Asset Quality, Impairment, provision adequacy and credit portfolio monitoring & reporting.Key AccountabilitiesImplement group-wide Credit Risk policies and procedures.Ensure compliance with all relevant procedural and legislative requirements.Group-wide Asset Quality ReviewMonitor and review overdue lines through the Past Due Not Impairment (PDNI) process.Liaise with stakeholders to obtain PDNI data and follow up on action plans.Prepare reports for CEC and regulators on credit quality and PDNI portfolio.Proactively identify signs of credit portfolio deterioration.Group-wide Risk Analysis and PresentationPrepare detailed risk presentations for CCB, IB, and international portfolios for CEC, Board Risk & Compliance Committee (BRCC), and Group Risk Committee (GRCC).Conduct risk analysis and thematic reports for senior management.Review ECL files and support ECL optimization.Group-wide Regulatory Reporting, Liaison, and CompliancePrepare and ensure accuracy of PDNI-related regulatory reports.Support ERM team on risk-related regulatory reporting.Ensure compliance with internal and external policies and standards.Credit Reviews – Funding ProgramsReview credit proposals for CEC1 under CCB, IB, and international corporates/conglomerates.Provide feedback on product programs and credit policies.Continuous ImprovementSeek opportunities for continuous improvement and sustainability of systems and processes.ReportingEnsure timely and accurate preparation of departmental reports.Job ContextSpecific AccountabilityWholesale Banking Group And International Banking – Credit RiskHelp SVP & Head of CCB & IB Credit Risk & Portfolio Management in establishing a WB and International Banking Credit Risk Management Framework.Review and analysis of WB and International Banking credit risk policies Credit Policies, Product Programs, RACs, C2P2 from Credit Risk prospective in coordination with respective credit team and product representative of business.Partner with WB and International Banking Credit in development, rollout and maintenance of Score Cards.Help SVP & Head of CCB & IB Credit Risk & Portfolio Management in Development of framework for validation of Credit Rating models.Support designing WB and International Banking application score card cut off strategies and scorecard usage guideline for credit approval.Identify credit risk emanating from existing as well as new products that are being launched by WB and International Banking.Carry out thematic portfolio stress testing/scenario analysis to ensure quality portfolio growth of WB and International Banking.Monitoring Performance of WB and International Banking scorecard on periodical basis.General ResponsibilitiesReview of credit proposals being submitted to CEC and BMC. Share the findings / observations with GCRO.Manage the approval and monitoring process for Country Risk Limits.Manage the approval and monitoring process for Industry Risk Limits.Provide feedback on Credit risk information framework which includes data for GCRO’s quarterly risk dashboards, and other important credit risk reports submitted to Management-level and Board-level Risk Committees.Preparation of reports to monitor credit quality of the portfolio related to WB and International Banking.Drive the development and maintenance of credit risk data base to ensure timely availability of da