commercial credit officer

Bank of America

<div><p><b>Job Description:</b></p><p></p><p>
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.<br>
<br>
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates&rsquo; physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.<br>
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Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.<br>
<br>
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!</p><p><b><br>
Job Description:</b></p><p>
The Credit Officer II role is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market.</p><p></p><p><b>
Responsibilities:</b></p><ul><li><p>
Collaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bank</p></li><li><p>
Manages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closing</p></li><li><p>
Delivers on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures</p></li><li><p>
Monitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely manner</p></li><li><p>
Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate</p></li><li><p>
Participates in Regional and Market meetings to communicate credit delivery best practices and results</p></li></ul><p><b>
Skills:</b></p><ul><li><p>
Business Acumen</p></li><li><p>
Coaching</p></li><li><p>
Decision Making</p></li><li><p>
Hiring and Onboarding</p></li><li><p>
Loan Structuring</p></li><li><p>
Collaboration</p></li><li><p>
Credit Documentation Requirements</p></li><li><p>
Oral Communications</p></li><li><p>
Risk Management</p></li><li><p>
Written Communications</p></li><li><p>
Change Management</p></li><li><p>
Executive Presence</p></li><li><p>
Organizational Effectiveness</p></li><li><p>
Underwriting</p></li></ul><p></p><p><b>
Required Qualifications:</b></p><ul><li><p>
10+ years of solid Commercial Banking experience</p></li><li><p>
Experience in financial analysis, structuring, underwriting and portfolio management</p></li><li><p>
Analytical/technical skills, including financial accounting, modeling and loan structuring</p></li><li><p>
Strong communication skills; ability to communicate vertically, horizontally, and externally</p></li><li><p>
Industry knowledge across multiple sectors</p></li></ul><p></p><p><b>
Minimum Education Requirement: </b>BA/BS Degree Desired</p><p></p><p><b>
Shift:</b></p>
1st shift (United States of America)<p></p><p><b>
Hours Per Week:</b></p>
40</div><p></p>

Credit Officer II

First Bank and Trust Company

<div></div><div><div><div><div><div><p>The First Bank and Trust Company is seeking an <b>Experienced Commercial Credit Analyst</b> to be located in the Shenandoah Valley region to support the bank&rsquo;s commercial and agricultural lending activities and to contribute to the overall credit quality of the bank. The Commercial Credit Analyst will be responsible for the thorough credit analysis of commercial and agricultural loan requests and of all related financial information and for assessing the credit-worthiness of commercial and agricultural loan requests. The Credit Analyst will also be responsible for providing complete, accurate and objective written reports presenting all financial information and summarizing the strengths and weaknesses of commercial and agricultural loan requests for use in the making of lending decisions.</p><p>
A bachelor&rsquo;s degree in Accounting, Finance and Business and/or Economics (with sufficient credits in accounting) is required. Three to five years of commercial credit analysis and/or financial accounting experience is required. The candidate must possess strong financial analysis and accounting skills, strong critical thinking skills, strong written and verbal communication skills, a strong attention to detail, be well organized, and be able to work in a team environment. The candidate must also have strong computer skills, including Microsoft Word and Excel.</p><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>
BENEFITS FOR FULL-TIME EMPLOYEES:</b></p><ul><li>
PTO Leave is 20 Days per year earned monthly.</li><li>
First Bank and Trust recognizes 11 paid holidays, when the holidays occurs during the work week.</li><li>
Medical, Dental and Vision Insurance coverage starts the 1st day of the month after hire date.</li><li>
Employees are automatically enrolled in the bank's 401K/ESOP Plan.
</li><li>First Bank and Trust provides basic life insurance coverage equal to two times an employees' base salary.</li><li>
First Bank and Trust provides long-term disability Insurance coverage.</li></ul><p><b>
First Bank and Trust is an Equal Opportunity Employer </b>EOE/AA/M/F/Disabled/Veteran</p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div><p></p>

Commercial Credit Analyst

Savings Bank Of Mendocino County

<div><p><b>Job Title: Commercial Loan Underwriter</b></p>
<p>Department: Credit Administration</p>
<p>Reports To: Manager of Commercial Underwriting</p>
<p>FLSA Status: Exempt</p>
<p>Salary Grade: 22</p>
<p>Starting Range: $73,071.00 - $90,264.00 DOE</p>
<p><i>Our starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.</i></p>
<h1 class="jobSectionHeader"><b>SUMMARY</b></h1>
<p>Are you a motivated and high performing individual who has strong people, organizational skills, and a desire to work at a local business dedicated to meeting the financial needs of its customers, validating the investment of its shareholders, and investing its time, money, and expertise to support worthy causes throughout Lake and Mendocino Counties? Savings Bank of Mendocino County has proudly been serving the needs of our communities since 1903 and is seeking a qualified professional for the role of Commercial Loan Underwriter in the Credit Administration Department. This position involves performing detailed credit analysis and underwriting of Commercial &amp; Industrial (C&amp;I) and commercial real estate (CRE) loans. This role emphasizes evaluating operating companies, analyzing business cash flow, and structuring credit facilities that support growth while managing risk.
</p><p>The ideal candidate has four or more years of experience in a credit analyst or equivalent position. A successful person in this role is organized; detail oriented; personable; has strong time management skills; and is comfortable interacting with a broad range of individuals, including customers, executive officers and third-party companies. Savings Bank is excited to add to our team of individuals seeking to fulfill the Bank&rsquo;s vision of <b><i>Investing in the future as your local independent bank, committed to the prosperity of our communities, employees and shareholders</i></b>.</p>
<h1 class="jobSectionHeader"><b>ESSENTIAL JOB FUNCTIONS &amp; RESPONSIBILITIES</b></h1>
<p>To perform this job successfully, an individual must be able to perform each essential job function satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</p>
<div><ul><li>Performs in-depth financial analysis of operating companies, including review of financial statements, tax returns, and borrower/guarantor cash flow.</li></ul>
<ul><li>Recommends loan structures, collateral, covenants, and risk ratings consistent with internal policy.</li></ul>
<ul><li>Works closely with commercial lenders to clarify borrower needs and guide deal structure.</li></ul>
<ul><li>Prepares clear, concise credit memoranda for new requests, renewals, and modifications.</li></ul>
<ul><li>Underwrites Commercial &amp; Industrial (C&amp;I) and commercial real estate (CRE) loans, including owner-occupied and investment properties.</li></ul>
<ul><li>Conducts annual reviews and ongoing risk assessments for CRE relationships.</li></ul>
<ul><li>Monitors covenant compliance, financial reporting, borrowing bases (if applicable), and early warning indicators.</li></ul>
<ul><li>Supports portfolio analysis, stress testing, and concentration management activities.</li></ul>
<ul><li>Ensures underwriting and loan structures comply with internal credit policies, regulatory standards, and safety-and-soundness expectations.</li></ul>
<ul><li>Maintains complete documentation in credit systems and participates in internal audits or regulatory exams as needed.</li></ul>
<ul><li>Exercises individual loan approval authority up to an assigned limit and participates in joint approvals or credit committee reviews for larger or more complex credits.</li></ul>
<ul><li>Additional duties as assigned depending on department needs.</li></ul>
</div><h1 class="jobSectionHeader"><b>MINIMUM QUALIFICATION</b></h1>
<ul><li>Four (4) years&rsquo; experience in a credit analyst or commercial lending position
<ul><li>Degree in Finance, Accounting, or Economics, or related field may substitute for years of experience
</li></ul></li></ul><h1 class="jobSectionHeader"><b>PREFERENCES</b></h1>
<ul><li>Previous experience as a Commercial Loan Underwriter</li>
<li>Bachelor&rsquo;s Degree in Finance, Accounting, or Economics, or related field
</li><li>Completion of formal commercial credit training</li>
</ul><h1 class="jobSectionHeader"><b>JOB COMPETENCIES</b></h1>
<ul><li><b>Fostering Communication:</b> Understands underlying needs, motivations, emotions or concerns of customers and staff; and communicates effectively.</li>
<li><b>Attention to Detail: </b>Proofreads and edits personal work and that of others, for proper grammar, spelling, and overall readability; ensuring that work has been done according to procedures and standards.</li>
<li><b>Problem Solving: </b>Identifies problems and alternate solutions, considering applicable precedents; and evaluates the effectiveness of solutions after implementation.</li>
<li><b>Analytical Thinking</b>: Analyzes and synthesizes information to understand issues, identify options, and support sound decision making.</li>
<li><b>Initiative</b>: Deals with situations and issues proactively and persistently, seizing opportunities to go above and beyond.</li>
<li><b>Quality Focus: </b>Follows all policies and procedures set by the Bank; consistently meets quality standards set by the Bank; seeks opportunities for improvement.</li>
<li><b>Fraud Detection and Control: </b>Employs appropriate techniques and procedures for identifying, reporting, and preventing fraud.</li>
<li><b>Teamwork: </b>Works collaboratively with others to achieve organizational goals.</li>
<li><b>Product &amp; Technical Knowledge: </b>Understands the products and services provided.</li>
<li><b>Time Management:</b> Organizes and prioritizes tasks to maximize efficiency.</li>
<li><b>Career Development and Coaching:</b> Shares knowledge with other employees; mentors others on how to perform work tasks</li>
<li><b>Collaboration</b>: Recognizes, values, and leverages the unique perspectives, experiences, and talents of every individual; promoting fairness and belonging throughout the organization.</li>
</ul><h1 class="jobSectionHeader"><b>POSITION BENEFITS</b></h1>
<ul><li>Competitive, market-based pay</li>
<li>Comprehensive insurance benefits package including medical, dental, vision and more</li>
<li>401(k) plan with maximum 6% employer match</li>
<li>Profit Sharing plan</li>
<li>Generous paid time off plans</li>
<li>Employee Health and Wellness program</li>
<li>Community volunteer opportunities</li>
<li>Career development and training opportunities</li>
</ul><h1 class="jobSectionHeader"><b>EQUAL EMPLOYMENT OPPORTUNITY</b></h1>
<p><i>Savings Bank of Mendocino County is an Equal Opportunity Employer and employment selections are based on merit, qualifications and abilities. Savings Bank of Mendocino County will consider all qualified applicants for employment and does not discriminate in employment opportunities or practices on the basis of: age, race, religion, color, sex, national origin, sexual orientation, gender identity, protected veteran, disability, or any other status protected by law.</i></p>
<h1 class="jobSectionHeader"><b>PHYSICAL &amp; MENTAL DEMANDS</b></h1>
<p>The physical and mental demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</p>
<p>This position is set in a quiet, office environment. The position is generally regarded as light work. Exerting up to 20 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects, including the human body. While performing the duties of this job, the employee may be required to alternately stand, walk, sit, reach with arms, talk or hear and use hands to write, type, and handle or feel objects, tools or controls. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading. Some driving may be required.</p>
<p>Employee must possess the ability to read, write, perform basic math functions, understand basic communication and instructions, carry out instructions, complete basic problem-solving and analyzing of information, and make independent decisions within scope of responsibility.</p>
<p>A post-offer physical is not required for this position.</p></div><p></p>

Commercial Credit Underwriter

Sumitomo Group

<div><p>SMBC Group is a top-tier global financial group. Headquartered in Tokyo and with a 400-year history, SMBC Group offers a diverse range of financial services, including banking, leasing, securities, credit cards, and consumer finance. The Group has more than 130 offices and 80,000 employees worldwide in nearly 40 countries. Sumitomo Mitsui Financial Group, Inc. (SMFG) is the holding company of SMBC Group, which is one of the three largest banking groups in Japan. SMFG&rsquo;s shares trade on the Tokyo, Nagoya, and New York (NYSE: SMFG) stock exchanges.</p><p></p><p><br>
In the Americas, SMBC Group has a presence in the US, Canada, Mexico, Brazil, Chile, Colombia, and Peru. Backed by the capital strength of SMBC Group and the value of its relationships in Asia, the Group offers a range of commercial and investment banking services to its corporate, institutional, and municipal clients. It connects a diverse client base to local markets and the organization&rsquo;s extensive global network. The Group&rsquo;s operating companies in the Americas include Sumitomo Mitsui Banking Corp. (SMBC), SMBC Nikko Securities America, Inc., SMBC Capital Markets, Inc., SMBC MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd.</p><p></p><p><br>
The anticipated salary range for this role is between $80,000.00 and $135,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.</p><div><div><div><h2 class="jobSectionHeader"><b>
Role Description</b></h2></div><div><ul><li>
Review and challenge of credit applications submitted by the front office and the preparation / presentation of executive summaries and recommendations to the management of the Credit Department.</li><li>
The coverage includes lending transactions related to Middle Market LBOs and their related financial products (derivative, hedging etc.) but also to Non-Investment Grade Large Cap borrowers with complex capital structure and leveraged loan transactions (leverage lending and/or ABL transactions).</li><li>
The scope of the analysis and the review includes, but not limited to, obligor credit risk, projections, transaction background, deal structure, facility terms and conditions, US regulatory classification, profitability, and relationship strategy.</li></ul></div></div><div><div><h2 class="jobSectionHeader"><b>
Role Objectives</b></h2></div><div><ul><li>
 Analyze various elements of credit risk and transaction specifics, primarily for Middle Market obligors, and provide an effective review and challenge to the front office (line 1).</li><li>
Prepare written executive summaries/comments of credit applications submitted from the front office and present to the management of the Credit Department.</li><li>
Engage with front office to assist with due diligence and structuring, identify key credit risks and main credit concerns and challenge assumptions prior to formal credit submission.</li><li>
Coordinate the credit approval process by liaising between the front office and the management of the Credit Department.</li><li>
Provide feedback and guidance, as necessary, to business units to ensure compliance with internal policies and procedures standards.</li><li>
Monitor and supervise problem assets including classified loans and present written memorandum/reports to management.</li><li>
Contribute to portfolio review, loan reviews and pass watch or any special credit reviews.</li><li>
Manage compliance with internal policies, workflow procedures and ensure US regulatory requirements are met in each credit application.</li><li>
Stay informed about relevant regulations and industry best practices.</li><li>
Other credit related work/projects as assigned.</li></ul></div></div><div><div><h2 class="jobSectionHeader"><b>
Qualifications and Skills</b></h2></div><div><ul><li>
Minimum 3+ years of relevant work experience preferably within a credit risk function (formal credit training preferred, second line of defense).</li><li>
Experience and knowledge of middle market (and non-investment grade large cap) leverage loans highly preferred.</li><li>
Prior experience interacting with US Regulators (Fed, OCC or FDIC) preferred.</li><li>
Ability to adapt to SMBC&rsquo;s credit philosophy and risk appetite.</li><li>
Critical thinking to understand factors impacting portfolio creditworthiness such as economic downturn, market volatility, industry disruptions or changes in interest rates, and ability to analyze a vast and complex amount of information and quickly render credit decisions.</li><li>
Risk sensitivity and ability to steer decisions through discussions with the business units.</li><li>
Ability to manage significant deal volume in a fast-paced environment and analyze credit application and prepare written summary in a short timeframe and in a multitasking environment.</li><li>
Strong organizational, oral, and written communication skills, with ability to communicate effectively with all levels of support and business partners.</li><li>
Undergraduate degree in Finance, Business Administration or related fields. MBA/CFA or other professional qualification highly preferred.</li></ul></div></div></div><p>
SMBC&rsquo;s employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office. SMBC requires that employees live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during their interview process. Hybrid work may not be permitted for certain roles, including, for example, certain FINRA-registered roles for which in-office attendance for the entire workweek is required.</p><p></p><p><br>
SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com.</p></div>

Credit Officer / LBO

EV Rise finance

<p><b>About EVRise Finance</b></p><p>EVRise Finance (www.evrisefinance.com) is a clean mobility FinTech based in Delhi that enables electric mobility businesses to access institutional capital efficiently. We work with various Banks, NBFCs, and Fund Houses to help them assess and disburse capital to businesses in logistics, charging and batteries in the EV ecosystem.</p><p>Founded in 2024 by <b>Sumeet Gambhir</b> (ex-ICRA, Mobikwik, Indifi, Cardekho), EVRise Finance is building a greener future by empowering electric vehicle businesses through innovative financial solutions.</p><p><b>Role Description</b></p><p>We are looking for a motivated and detail-oriented individual to join our team as a Credit Operations Executive. You will be a part of our Credit Underwriting team, supporting the overall credit process. The role offers immense learning and growth opportunities in India&rsquo;s fast-evolving EV financing ecosystem.</p><p>Key Responsibilities</p><p>&middot; Review and evaluate loan applications submitted by prospective borrowers</p><p>&middot; Support credit underwriting process by collating and validating financial information</p><p>&middot; Coordinate with clients for completion of information and documentation</p><p>&middot; Maintain regular records and MIS systems</p><p>&middot; Ensure compliance with internal policies and regulatory guidelines</p><p>&middot; Provide support on monitoring active accounts and assisting in early repayment tracking</p><p>QualificationsBachelor / Master degree in Commerce, Finance, Business Administration, or related fields</p><p><b>Experience</b></p><p><b>1-2 years of experience</b> in credit operations in lending institutions: Banks / NBFCs / FinTechs / Others</p><p><b>Skills &amp; Requirements</b></p><p>&middot; Strong understanding of lending processes and credit operations including KYC norms and loan documentation</p><p>&middot; Proficiency in MS Excel &amp; Word</p><p>&middot; Attention to detail and the ability to manage multiple tasks</p><p>&middot; Collaborative mindset with the ability to work in a fast-paced startup environment</p><p>&middot; Interest in clean mobility and the electric vehicles space will be a bonus</p><p><b>Compensation</b></p><p>Fixed CTC: ₹2.5 &ndash; ₹3.5 Lacs PA</p><p>Job Type: Full-time</p><p>Pay: ₹18,000.00 - ₹30,000.00 per month</p><p>Location:</p><ul><li>Noida, Uttar Pradesh (Noida) (Required)</li></ul><p>Work Location: In person</p>

Credit Operations Executive

Citi

<div><p>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.</p><p></p><p>
The Credit Maintenance Intermediate Analyst is an intermediate level position responsible for capturing and recording data on credit exposures, obligors and facilities in relevant credit systems in coordination with the Operations - Services team. The overall objective of this role is to coordinate and maintain data quality in credit systems, monitor and report credit exposure, escalate deficiencies and recommend delinquent strategies in alignment with overall credit policies.</p><p><b><br>
In this role, you&rsquo;re expected to</b><b>:</b></p><ul><li><p>
Maintain data of relations and facilities in credit system, and enter data accurately in various auxiliary credit systems</p></li><li><p>
Consult with Relationship Manager (RM) to formalize requests for credit facilities or raise other problems to the appropriate organizations for their attention</p></li><li><p>
Detect revealed trends in the process of limited control to assess the needs of the line of credit, operations, or system problems</p></li><li><p>
Maintain accurate controls and insurance records ensuring timely follow-ups and renewals of insurance required for equipment and team&rsquo;s responsibility</p></li><li><p>
Prioritize and process the review of incoming credit applications to verify their accuracy and integrity, interpret them so that they are concise, exact, integral, in compliance with the policy, and register them in the database accurately and in a timely manner</p></li><li><p>
Monitor limits versus exposure at the end of the day and scale exceptions detected by the policy</p></li><li><p>
Aid important portfolios and apply professional decisions when interpreting information and results</p></li><li><p>
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</p></li></ul><p></p><p><b>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure</b><b>:</b></p><ul><li><p>
6-8 years of relevant experience</p></li><li><p>
Experience in business preferred</p></li><li><p>
Working knowledge of industry standards and practices</p></li><li><p>
Working knowledge of data analysis tools and methodologies</p></li><li><p>
Demonstrated analytical skills</p></li><li><p>
Consistently demonstrates clear and concise written and verbal communication</p></li></ul><p><b>
Education:</b></p><ul><li><p>
Bachelor&rsquo;s degree/University degree or equivalent experience</p></li></ul><p></p><p>
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.</p><p></p><p>
-</p><p><b>
Job Family Group:
</b></p>Operations - Services<p>
-</p><p><b>
Job Family:</b></p>
Credit Maintenance<p>
-</p><p><b>
Time Type:</b></p>
Full time<p>
-</p><p><b>
Most Relevant Skills
</b></p>Please see the requirements listed above.<p>
-</p><p><b>
Other Relevant Skills
</b></p>For complementary skills, please see above and/or contact the recruiter.<p>
-</p><p><i>
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.</i></p><p></p><p><i><br>
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review </i><i>Accessibility at Citi</i><i>.</i><br>
<br>
<i>View Citi&rsquo;s </i><i>EEO Policy Statement</i><i> and the </i><i>Know Your Rights</i><i> poster.</i></p></div>

Credit Maintenance Intermediate Analyst – Officer

Mashreq

<div>
 Job Purpose
 <br/>
 - Assist in the financial analysis, credit risk assessment, risk rating and structuring of facilities for assigned corporate relationships, by working with the Relationship Managers (RMs), meeting the customers, preparing Credit Proposals (CPs) (new, annual renewals and amendments etc.) and liaising with Credit Risk Management (CRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively.
 <br/>
 <br/>
 Key Result Areas
 <br/>
 - Review with the CIBG Relationship Teams/WRM, deals, facility structures, credit products / services, and provide business solutions which meet business and customer requirements within credit and operational risk guidelines and policies.
 <br/>
 <br/>
 - Quick and timely turnaround of CPs while maintaining quality of analysis.
 <br/>
 <br/>
 - Ensure terms laid out in the proposal are in line with client expectations to avoid significant deviations in the approved terms. Exposures to be monitored along with RAROC and overall profitability
 <br/>
 <br/>
 - Monitoring mechanisms laid out in Lending Guideline and Credit Policy to be followed up with Credit Control Unit for strict adherence
 <br/>
 <br/>
 - Ensure review of all Early Alert instances and promptly bring to the attention of Direct Supervisor
 <br/>
 <br/>
 - Analytical thinking, up to date on Macro Economic trends influencing the Industry
 <br/>
 <br/>
 - Thorough understanding of Mashreqbank&rsquo;s policies and procedures in addition to regulatory, operational and compliance requirements.
 <br/>
 <br/>
 - Clear understanding of business transactions and relationship requirements with close coordination with the relationship team and WRM, without losing focus on risk, regulations and control issues.
 <br/>
 <br/>
 - Regulatory, operational, compliance and AML requirements would require thorough understanding of local banking practices.
 <br/>
 <br/>
 Knowledge, Skills and Experience
 <br/>
 - Minimum 5-7 years of experience of credit / financial analysis at similar level in banking and / or related field.
 <br/>
 <br/>
 - Degree in business / economics. A post graduate diploma / Chartered Accountancy or a similar qualification will be considered as an asset.
 <br/>
 <br/>
 - Local market knowledge and sufficient knowledge of the bank&rsquo;s products and operating systems.
 <br/>
 <br/>
 - Excellent command over verbal and written English. Arabic language skill will be an added advantage.
 <br/>
 <br/>
 - Conversant with banking laws and local regulations.
 <br/>
 <br/>
 - Good inter-personal skills. Should be a team player and participation experience in variety of banking initiatives and solutions.
</div>


Credit Relationship Manager.COE Pak - CIBG - TC Portfolio Management & Monitoring.Corporate & Investment Banking Group-PAKCOE

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