Credit Quality Assurance Sr. Officer/ HBTF Bahrain

Key Roles & Responsibilities

Credit Audit

• Audit and review all credit approvals and their amendments to ensure consistency with the relevant policies and procedures of credit.
• Ensure that mortgages, mortgage releases and attachments, receipt and delivery of ownership documents are duly conducted with the concerned government departments and complete the documentation of the bank's guarantees in proper manner in accordance with the approved policies and procedures.
• Prepare all contracts, offer letters according to the Terms & Conditions of the credit approval.

Credit Activation

• Audit the activation (disbursement) of limits and ensure that all data has been entered into the banking system.
• Review all facility documents by ensuring that they are legally signed by all parties.
• Ensure that all credit approval Terms &Conditions are completed and implemented.

Credit Operation

• Ensure all transaction documentation in order with credit facility conditions, and compliant with internal policies and regulatory requirements.
• Liaise with Business to raise credit-related exception queries and ensure smooth & timely processing of transactions.
• Oversee the end-to-end process of loan disbursement, including system entries, approvals, and fund release conditions.
• Reporting and Monitoring Continuous updating of periodic monitoring reports related to the branch’s credit portfolio (real estate mortgage report, mortgage property report, post-activation conditions follow-up report, shares valuation report, expired insurance policies, due limits, past due, overdue accounts, scheduling and restructuring report)
• Follow-up on client credit facility records with BENEFIT Company (BCRB reports) and coordinate with the IT Department to make any necessary amendment.

Qualifications & Requirements

• Bachelor's degree in finance, accounting, banking, or a related field.
• Minimum banking experience of 7 years of which at least 5 years in a credit administration/credit operation role.

Additional Key Competencies:

• In-depth knowledge of credit aspects and products, credit operation, loan documentation, collateral management, and legal matters related to credit.
• Strong understanding of lending regulations, compliance requirements, and industry best practices.
• Familiarity with Government and CBB regulations and mortgage procedures.
• Proficiency in Arabic and English (written and spoken).
• Proficient in using Microsoft applications and other relevant tools.

Nationality: -

• Only Bahrainis and expats currently working in the Bahraini banking sector may apply.