MADINA ADEL
CREDIT MANAGER
Abu Dhabi
Summary
Experienced Credit Manager with a successful track record in credit underwriting, risk evaluation, and loan portfolio management at UAE banks. Skilled in spearheading digital transformation initiatives, automating underwriting processes, and integrating credit scoring systems. Proficient in regulatory compliance, financial analysis, and cross-functional collaboration. Seeking to contribute to innovative financial institutions focused on operational excellence in Retail banking (Credit and Risk). Key goals include maintaining Credit Facilities, securing documentation for the Bank's Credit Exposure, and overseeing Credit Facilities. Prioritizing meeting service standards, streamlining processes and procedures, and effectively communicating with internal and external stakeholders. Dedicated to leading teams to success through knowledge transfer management.
Overview
18
18
years of professional experience
2
2
Languages
Work History
Credit Analyst Supervisor
ABU DHABI COMMERCIAL BANK
11.2023 - 03.2025
- Review accuracy and completion of documentation received in order to confirm its compliance with the bank's credit policy & UAE central bank regulations.
- Perform underwriting activities in order to confirm application compliance with the bank's credit policy for All products such as SME PF, AL, CC (subject to DP authority at analyst level).
- Escalating/sending application to the approver level I based on the agreed escalation/authority matrix.
- Adhere to approved service level agreement terms of timelines and ensure quality of output.
- Alert to reporting lines on all exception cases where there is doubt on the overall customer creditability and associated risk to the Bank.
- Documentation discrepancy & follow up with stakeholders.
- Ensure that customer profile is normal by checking blacklist, CBRB & NPA lists, AECB.
AVP & Credit Lead
FIRST ABU DHABI BANK
10.2017 - 06.2022
- Accord credit decision on retails loan requests within DP Delegation.
- Manage credit team members and monitor their performance throughout the year and submit the needed reports to management in regular basis.
- Approve restructuring facilities in coordination with collection department on case to case bases as per credit policy and guidelines.
- Analyze/propose exceptional approvals to higher authority/delegations.
- Handle relationship with sales heads and Area managers to ensure smoothness of process within credit department.
- Holding international delegation to approve exceptional proposals for other countries e.g. Egypt and Oman for all Products (Retail, Mortgage, SME, Small Corporate).
- Conduct training sessions for new staff and whenever system enhancement occurred.
- Involved in projects pertaining to system enhancement, revision of process flow along with conducting UATS to ensure fulfillment of requirements.
- Review and provide timely response on requests receiving from customer retention team.
Credit Manager
FIRST ABU DHABI BANK
07.2014 - 09.2017
- Accord credit decision on retails loan requests within DP Delegation.
- Manage credit team members and monitor their performance throughout the year and submit the needed reports to management in regular basis.
- Approve restructuring facilities in coordination with collection department on case to case bases as per credit policy and guidelines.
- Analyze/propose exceptional approvals to higher authority/delegations.
- Handle relationship with sales heads and Area managers to ensure smoothness of process within credit department.
- Holding international delegation to approve exceptional proposals for other countries e.g. Egypt and Oman for all Products.
- Conduct training sessions for new staff and whenever system enhancement occurred.
- Involved in projects pertaining to system enhancement, revision of process flow along with conducting UATS to ensure fulfillment of requirements.
- Review and provide timely response on requests receiving from customer retention team.
Credit Analyst
NATIONAL BANK OF ABU DHABI
04.2011 - 06.2014
- Review accuracy and completion of documentation received in order to confirm its compliance with the bank's credit policy.
- Perform underwriting activities in order to confirm application compliance with the bank's credit policy (subject to DP authority at analyst level).
- Escalating/sending application to the approver level I based on the agreed escalation/authority matrix.
- Adhere to approved service level agreement terms of timelines and ensure quality of output.
- Alert to reporting lines on all exception cases where there is doubt on the overall customer creditability and associated risk to the Bank.
- Documentation discrepancy & follow up with stakeholders.
- Ensure that customer profile is normal by checking blacklist, CBRB & NPA lists.
- Employer verification & customer verification (If situation demanded in addition to routine CPV).
- As back up to other credit analyst during their annual leave/Absent.
Administrative Officer
NATIONAL BANK OF ABU DHABI
06.2009 - 03.2011
- Provided comprehensive administrative support to department managers and staff.
- Managed office operations including filing systems, document control, and correspondence.
- Scheduled meetings, prepared agendas, and handled logistics for internal and external events.
- Maintained confidential records and ensured proper documentation in line with bank policies.
- Assisted in procurement of office supplies and liaised with vendors.
- Supported HR and finance teams with data entry, reporting, and record-keeping.
Direct Sales Specialist
STANDARD CHARTERED BANK-ABU DHABI
01.2008 - 05.2009
- Delivering a high quality and efficient service to both retail and commercial customers in order to build relationships and increase profit of the bank.
- Ensuring the accurate completion, processing and administration of all documentation in accordance with Standard Policies and Procedures to protect bank interest.
- Contribute to the effective work of team through communicating and sharing information to build Successful working environment.
- Sourcing the corporate business by targeting any particular company or group by offering them bulk deals with cooperate rate.
- Achieving targets individually as well as team target and handling sales pressure successfully.
- Following up on potential customers and offering after sales service.
- Opening new markets and accounts in different firms every month.
Retail Banking Executive
EMIRATES BANK-ABU DHABI
10.2006 - 12.2007
- Opening new client accounts.
- Sourcing the corporate business by targeting any particular company or group by offering them bulk deals with cooperate rate.
- Daily presentations for individuals or groups customers about the bank products and benefits.
- Achieving targets individually as well as team target and handling sales pressure successfully.
- Offering after sales service and following up on potential clients.
- Monitoring the performance of newly joined.
Education
BACHELOR DEGREE - ACCOUNTING
Alexandria University
Skills
Core Competencies & Skills
Credit Risk & Underwriting
Banking Automation Projects
Loan Portfolio Evaluation
Financial & Risk Analysis
Regulatory Compliance (CBUAE)
Digital Transformation Support
Stakeholder Coordination
Team Leadership & Training
Credit Policy Implementation
Tools: Core Banking Systems Excel Credit Scoring Models MIS Reporting
Microsoft Office Suite: Proficient in Word, Excel, PowerPoint, and Outlook
Document Management: Filing, data entry, and archiving
Communication: Strong written and verbal communication in English and Arabic
Customer Service: Professional client handling and query resolution
Time Management: Able to prioritize tasks and meet deadlines
Team Support: Collaborative and reliable in supporting cross-functional teams
Confidentiality: Experienced in handling sensitive information securely
Interests
Reading
Traveling
Music
Personal Information
- Date of Birth: 12/13/82
- Nationality: Egyptian
- Marital Status: Divorce
- Visa Status: Abu Dhabi Commercial Bank
Driving License - Category
UAE
Egypt
Timeline
Credit Analyst Supervisor
ABU DHABI COMMERCIAL BANK
11.2023 - 03.2025
AVP & Credit Lead
FIRST ABU DHABI BANK
10.2017 - 06.2022
Credit Manager
FIRST ABU DHABI BANK
07.2014 - 09.2017
Credit Analyst
NATIONAL BANK OF ABU DHABI
04.2011 - 06.2014
Administrative Officer
NATIONAL BANK OF ABU DHABI
06.2009 - 03.2011
Direct Sales Specialist
STANDARD CHARTERED BANK-ABU DHABI
01.2008 - 05.2009
Retail Banking Executive
EMIRATES BANK-ABU DHABI
10.2006 - 12.2007
BACHELOR DEGREE - ACCOUNTING
Alexandria University