Job Description

Essential Duties & Responsibilities by Dimensions:

A. Shareholder & Financial:

- Perform activities within the assigned Credit Risk Strategy that reflects the it\'s tolerance for risk and the level of profitability the organization expects to achieve for incurring various credit risks.

- Act within the limits of the powers delegated to the incumbent

B. Customer (Internal & External):

- Coordinate with its Compliance to ensure an appropriate response to obtain updates on regulations pertaining to credit risk review that are promulgated by Regulators, if any.

- Build and maintain strong and effective relationship with the all other related departments and units to achieve the it\'s goals/ objectives.

- Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.

- Adhere to the Turnaround Times (TAT) specified in the SLAs.

C. Internal (Processes, Products, Regulatory):

- Implementation of the credit operations processes and procedures related to the receipt of customers request approved by credit to delivery of credit to customer account.

- Collect all documents that are received prior to disbursing of loans / facilities to the customer accounts.

- Following the controls and ensure compliance procedures are implemented to identify & manage potential risk.

- Execute credit operational tasks.

- Data Entry and Maintain records of System downtime resulting in processing delays in Operations.

- Review documents to ensure that they comply with established/ approved credit risk policies and procedures, Regulator guidelines and Basel.

- Coordinate with Relationship Managers for the timely receipt of customer documents/ other information required to evaluate the credit worthiness of the proposed borrowers.

- Support the Credit Administration Manager and Credit Analysts in preparing a recommendation to extend, decline, or request further structuring/ guarantees/ collaterals to the deal to minimize credit risk to meet credit risk standards.

- Coordinate activities with business units to ensure the timely processing of customer credit requests within established TATs.

D. Learning & Knowledge:

- Possess an understanding of business processes and controls in all related credit/ operational areas.

- Maintain an understanding of all pertinent regulations as well as best practices pertaining to the overall credit operations.

E. Legal, Regulatory and Risk Framework Responsibilities:

- Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Country Compliance manual; Group Compliance Policies and Procedures (Anti Money Laundering & Counter Terrorist Financing, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).

- in accordance with the Branch Governance manual, contribute to and comply with the Branch\'s Risk Framework, consider Risk Appetite and promote a positive Risk Culture:

- Understand and effectively perform your role under the Three Lines of Defence principle to identify, measure, monitor, manage and report risks.

- Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.

- Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.

- Maintain appropriate knowledge to ensure to be fully qualified to undertake the role. Complete all mandatory training provided by the Bank and attain and maintain the required levels of competence.

- Attend mandatory (internal and external) seminars as instructed by the Bank.

F. Other:

- Ensuring high standards of data protection and confidentiality to safeguard commercially sensitive information. Maintaining utmost confidentiality with regards to customer and internal bank information obtained during the course of business and provide such information on a need to know basis only to Senior Management, Audit and Compliance functions, and relevant Regulators.

- Maintains high professional standards to uphold it\'s reputation and to strengthen its market leadership position.

- All other ad hoc duties and/or activities related to Bank that management may request of the employee from time to time

Education/Experience Requirements:

- University graduate preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study).

- Minimum of 5 years\' experience in a bank\'s Credit function.

Required Special Skills:

- Excellent oral and written communication skills in English and Arabic (preferred).

- Good quantitative modelling, analytical, and research skills.

- Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.

- Knowledge of financial markets and products.

- Good understanding of credit risk methodologies (KMV, Credit Metrics, etc.), interest rate modelling [short rate models, HJM, BGM, etc.], VAR, and/or other complex financial risk modelling highly desirable.

- Self-motivated, eye for detail.

Operating Environment/ Location:

- Located in Country and involves liaison with business units, as and when required.

Framework and Boundaries:

- Budgetary/ scorecard targets.

- Applicable policies and procedures regulations and best practices.

- Delegated and re-delegated authorities as per the delegation of authority structure.

- Instructions of the Credit Administration Manager, Credit Risk Manager, Head of Group Credit Administration, Head of Risk and Country GM.

-Communications and Working Relationships:

- Daily contact with Credit Administration Manager to provide updates on work progress, solve issues and receive higher approval.

- Close working relationships with Relationship Managers, Branch Managers, Account Managers and other business unit personnel.

- Regulatory authorities, external auditors, internal auditors and Compliance Personnel, as and when applicable.

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