Credit Analyst

Job Purpose
To provide quality recommendations on credit applications for both FIs and Corporates clients (inclusive of Real Estate) in full compliance with the defined credit risk appetite, credit policy, and regulatory requirements.

To assist team in achieving overall objectives of the department ensuring timeliness and quality in submissions.

Responsibilities, Accountabilities & Deliverables:

• To review Corporates (including Real Estate Transactions) and Financial Institutions with which the bank has or is proposing to have a relationship by analyzing the latest financial information and assessing the risk.
• To ensure that reviews are undertaken in a timely manner by obtaining the necessary information in advance.
• To provide a consistent level of good risk appraisal, outlining the risks, strengths and weaknesses of the proposal and adding value in providing suggestions to strengthen the proposal.
• To provide clear and unambiguous recommendations of the risk proposals.
• To ensure a timely turnaround of credit proposals and reviews.
• Produce all reports relating to RLU area on time and to a high standard, e.g., the Watchlist and Remedial Asset Portfolio and review of Watchlist and Provision Policy.
• To ensure adherence to IFRS9 guidelines as part of credit review process.
• Ensure that credit proposals adhere to the Bank and Group Credit Policy.
• To adhere to Credit Procedures at all times.
• To refer unsuitable proposals at an early stage to the Head / Deputy of Credit.
• To monitor current developments which may affect any of the Bank s customers and recommend appropriate action, if necessary.
• To investigate and resolve excesses and report to the IBCC when necessary.
• Produces the reports relating to KRIs and MI Pack on time and to a high standard, when necessary.
• To have an understanding of regulatory requirements relating to Financial Institution customers.
• To visit the Bank s customers, and potential customers, when required.
• To develop a good working relationship with Marketing Officers but remain independently.
• To be familiar with the Bank s systems (e.g., CMS, Risk Management Reporting, Credit Lens, SNL, SnP Capital IQ, Moody s, Fitch, and Capital Intelligence).
• Checking that spreading and financial analysis is correctly carried out in the Credit Lens and carry out appropriate re classifications wherever necessary and ensure that Credit Lens grading of account is appropriately done and reflects the underlying risk.
• To attend IBCC meetings and present credit applications to the committee, if necessary.
• Support the Deputy Head of Credit and Head of Credit in ad hoc risk related special tasks and projects, such as the preparation of risk acceptance criterion, as well as coordinating with other risk units in relation to policy/operation procedures/implementation.
• To comply with all relevant external legal, regulatory and reporting requirements.
• To ensure all internal trainings are completed within deadlines.

Knowledge

• Knowledge of banking industry products/services.
• Ability to collaborate and communicate effectively.
• Analytical ability. Ability to interact with the key stakeholders in a multi cultural
  environment.
• Accuracy and attention to detail.
• Ability to examine the linkages and interactions between different type of risks (credit; regulatory; operational; transactional; etc.).
• Critical thinking and Decisiveness.
• Ability to work under pressure.
• Good language skills in English. French, German or Italian would be an added advantage

Education

• Bachelor degree in business or equivalent.
• Preference: A globally recognized post graduate Credit or Risk qualification and/or an institute of bankers or similar professional associateship or fellowship from a globally recognized institute (e.g., CFA, FRM, MBA or MSC)

Experience

• More than 5 years relevant experience in FI and corporate / real estate
  credit functions.
• Knowledge/experience of GCC and MENA markets, including a good understanding of the FI and corporate clients, economic sectors, macro economic factors and related country risks within the region is a benefit.
• Fair amount of experience in assessing Trade Finance proposals.

Personal Attributes

• Effective Communications and Negotiations written and verbal.
• Ability to Lead, Motivate, and Promote Good Teamwork.
• Initiative, Confident with Commitment, and Quick Decision Maker in High Pressure Environments.
• Problem Solving, Flexibility and Conflict Resolution Skills; taking an optimistic and realistic approach.
• Organizational Ability and Agility working to deadlines.
• Detail Oriented.

Equal Employment Opportunity

Bank ABC is committed to the principles of equal employment opportunity for all employees and applicants and, in accordance with applicable laws, does not discriminate on the basis of sex, gender identity, gender expression, race, color, religion, national origin, ancestry, age, marital status, disability, medical condition, sexual orientation, or on any other basis prohibited by law.