credit analysis manager

First Abu Dhabi Bank

<b>Position Overview<br></b>First Abu Dhabi Bank (FAB), the largest bank in the UAE and a global leader in financial services, is seeking a detail-oriented and analytical Credit Analyst to join its Personal Banking Credit team in Dubai. The role focuses on reviewing, assessing, and recommending mortgage loan applications, ensuring credit risk is properly evaluated and aligned with internal policies. Ideal for a finance professional with a strong background in credit analysis and risk assessment in the banking sector.<br> <br><b>Job Details<br></b>Location: United Arab Emirates<br>Location: Dubai<br>Industry: Banking / Mortgage Professionals<br>Function: Financial Analysis<br>Gender: Any<br>Candidate Nationality: Any<br>Candidate Preferred Location: Any<br>Job Type: Full-time<br> <br><b>Key Responsibilities<br></b> <br>* Evaluate creditworthiness of clients by analyzing financial statements, bank data, and credit history<br>* Prepare and review credit proposals related to mortgage loans in compliance with bank policies<br>* Ensure all required documentation is complete, accurate, and aligned with regulatory and audit requirements<br>* Highlight credit risks, policy deviations, and suggest risk mitigants in proposals submitted for approval<br>* Monitor and manage exceptions such as incomplete or deferred security documents<br>* Process applications through internal systems (e.g., CAS) within specified service level agreements<br>* Conduct external verifications such as Employment Verification (EV) and Contact Point Verification (CPV)<br>* Coordinate with other internal departments to support application processing and approvals<br>* Maintain productivity reports and submit regular updates to the reporting manager<br>* Maintain professional conduct and effective communication with internal stakeholders<br>* Continuously update knowledge on regulatory standards, bank policies, and credit evaluation techniques<br> <br><b>Candidate Profile<br></b> <br>* Bachelor s degree in Business Administration, Finance, Banking, or related discipline<br>* Minimum 3 years of experience in credit analysis or risk assessment, including 1 year in a similar role<br>* Strong understanding of banking products, particularly in personal and mortgage lending<br>* Knowledge of Central Bank regulations, credit risk policies, and underwriting practices<br>* High attention to detail, accuracy, and confidentiality in reviewing financial data<br>* Excellent communication and interpersonal skills for cross-functional coordination<br>* Proficiency in internal banking systems and productivity reporting tools<br> <br><b>Why Join FAB<br></b>At FAB, you will be empowered to take ownership of your work, contribute to meaningful projects, and grow within a progressive banking institution. FAB offers a collaborative culture, strong leadership support, and a commitment to excellence, diversity, and innovation.<br><br>

Credit Analyst Personal Banking Mortgage Lending

Citi

<div><p>The Credit Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.<br>
<br>
<b>Responsibilities:</b></p><ul><li>
Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines (focus on more complex financial statements (i.e. Not-For-Profit).</li><li>
Provide succinct analysis based on customers, peers, the portfolio, and the industry.</li><li>
Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth.</li><li>
Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers.</li><li>
Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring.</li><li>
Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting.</li><li>
Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the</li><li>
Application Preparation Team Manager.</li><li>
May act as an industry specialist with responsibility for SBA/EXIM loan analysis</li><li>
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.</li></ul><p><b><br>
Qualifications:</b></p><ul><li>
3-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.</li><li>
The ideal candidate must have extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis</li></ul><p><b><br>
Education:</b></p><ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul><p><br>
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><b>
Job Family Group:
</b></p>Risk Management<p>
-</p><p><b>
Job Family:</b></p>
Credit Risk<p>
-</p><p><b>
Time Type:</b></p>
Full time<p>
-</p><p><b>
Most Relevant Skills
</b></p>Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.<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 Analyst - Commercial Banking Lending Management

Origin Bank

<div><div>Summary Analyzes credit data to estimate degree of risk involved in extending credit or lending money to commercial businesses or individuals; Leads their respective teams; assumes the responsibilities of a manager by performing the following duties.</div><div></div><div>
Duties and Responsibilities include the following.</div><div>
Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial</div><div>
credit relationships of $2,500,000 and greater.</div><ul><li>
Keep up to date with the company&rsquo;s lending protocols.</li><li>
Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision and a working knowledge of accounting principles and financial techniques</li></ul><ul><li>
Research skills</li><li>
Strong problem-solving, mathematical and analytical skills</li><li>
Excellent written and verbal communication skills</li><li>
Ability to maintain confidentiality</li><li>
Proficiency with computers and computer software, like programs that aid in statistical and financial calculations</li><li>
Proficiency with financial reports and statements</li><li>
Strong attention to detail and ability to notice discrepancies in data</li><li>
Impeccable understanding of financial statements, ratios, and concepts</li></ul><div></div><div>
The ideal candidate should be self-motivated, be a team player and have a strong work ethic.</div><ul><li>
Performs loan reviews/annual reviews on selected borrowers and guarantors for commercial credit relationships of $2,500,000 and greater.</li><li>
Performs cash flows, financial credit analysis, collateral valuations, global cash flows, etc. for commercial borrowers and guarantors on credit relationships of $2,500,000 and greater.</li><li>
Accompanies relationship managers on customer calls and site visits of potential and existing customers as requested / needed.</li><li>
Performs ongoing file maintenance to ensure credit information is uploaded to the credit file in a timely basis as needed.</li><li>
Identifies policy, collateral, and missing document exceptions.</li><li>
Identifies strengths and weaknesses of the relationship.</li><li>
Assists relationship managers in structuring credits, assessing covenants and monitoring procedures.</li><li>
Responsible for training and development of new relationship managers on the credit analysis process.</li><li>
Responsible for training, development, and mentoring of new credit analysts and the CDP analyst on the credit analysis underwriting and processes.</li><li>
Manages and develops Credit Analyst II / III in the department along with the CDP Analyst (Credit Analyst I).</li><li>
Distributes and assigns work flow based on knowledge and complexity in credit manager&rsquo;s absence.</li><li>
Assists Loan Committee, as needed, with reports, agenda, meeting book, minutes of meetings, and any other duties in Credit Analysis Manager's absence.</li></ul><div></div><div>
Supervisory Responsibilities</div><div>
Supervises employees of the Credit Analysis Department in manager&rsquo;s absence. May supervise and manage the Credit Analyst II / III. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include training employees; planning, assigning, and directing work; appraising performance in conjunction with management; rewarding and disciplining employees; addressing complaints and resolving problems.</div><div></div><div>
Competencies - To perform the job successfully, an individual should demonstrate the following competencies:</div><div></div><div>
Analytical - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail.</div><div></div><div>
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.</div><div></div><div>
Interpersonal Skills/Customer Service - Maintains confidentiality; Manages difficult or emotional customer situations; Responds promptly to customer needs; Meets commitments.</div><div></div><div>
Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Presents numerical data effectively.</div><div></div><div>
Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.</div><div></div><div>
Change Management and Delegation - Communicates changes effectively; Delegates work assignments.</div><div></div><div>
Leadership and Managing People - Exhibits confidence in self and others; Inspires and motivates others to perform well; Gives appropriate recognition to others; Makes self available to staff; Develops subordinates' skills and encourages growth; Continually works to improve supervisory skills.</div><div></div><div>
Organizational Support - Follows policies and procedures; Supports organization's goals and values.</div><div></div><div>
Judgment and Motivation - Displays willingness to make decisions; Exhibits sound and accurate judgment; Includes appropriate people in decision-making process; Makes timely decisions; Demonstrates persistence and overcomes obstacles.</div><div></div><div>
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.</div><div></div><div>
Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.</div><div></div><div>
Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner.</div><div></div><div>
Adaptability, Initiative and Innovation - Adapts to changes in the work environment; Manages competing demands; Able to deal with frequent change, delays, or unexpected events; Asks for and offers help when needed; Generates suggestions for improving work.</div><div></div><div>
Attendance/Punctuality and Dependability - Is consistently at work and on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.</div><div></div><div>
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below 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.</div><div></div><div>
Education and/or Experience</div><div>
Bachelor's degree (B. A.) from four-year college or university, Accounting or Finance degree preferred; seven or more years credit analysis experience required; or equivalent combination of experience in Credit / Banking.</div><div></div><div>
Computer Skills</div><div>
To perform this job successfully, an individual should have knowledge of basic knowledge of computer applications such as Moody&rsquo;s, the Internet, Outlook, Microsoft Word and Excel. Ability to use bank-specific software such as MPC, IBS, ADP, etc. Ability to use basic office machines.</div><div></div><div>
Bank Culture/Customer Service Skills</div><div>
Promotes the Bank&rsquo;s culture, including the support of our Brand promise and Core Values.</div><div>
Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.</div><div></div><div>
Physical Demands While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee is frequently required to walk and use hands to finger, handle, or feel. The employee is occasionally required to stand; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.</div><div></div><div>
Work Environment The noise level in the work environment is usually moderate.</div><div></div><div>
This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank&rsquo;s changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank&rsquo;s sole discretion.</div><div></div><div>
Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. <div>Know Your Rights</div></div><div></div><div>
Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.</div></div><div></div>

Senior Commercial Underwriter

Barclays

<div><p>Join us as a &ldquo;Credit Analyst VP&rdquo; at Credit trading team at Barclays is a team that focuses on trading corporate credit. The Asia Special Situations desk focuses on credit trading opportunities in Asia.</p><p></p><p>
To be a successful &ldquo;Credit Analyst VP&quot; - The candidate would mainly cover Asia region supporting the onshore primary credit analyst in analysing companies for new transactions and monitoring the financial performance of the obligors in existing portfolio. The candidate would also be expected to produce analysis and presentations for senior management to track market news and trends.</p><p></p><p>
You may be assessed on the key critical skills relevant for success in role, such candidate is expected to exhibit high standards of understanding of risk, be able to think out of the box, has attention to detail and be sound in his/her decision making.</p><p></p><p><b>
Basic/ Essential Qualifications:</b></p><ul><li>
Conduct in-depth fundamental credit analysis of Asian high-yield borrowers/Issuers, including financial statement review, cash flow modeling, and covenant assessment.</li><li>
Identify key risks, mitigants, and structural considerations during transaction evaluation.</li><li>
Evaluate industry dynamics, competitive positioning, and macroeconomic factors impacting credit risk.</li><li>
Develop and present actionable Lending /investment ideas to portfolio managers, supported by robust analysis and valuation metrics.</li><li>
Provide relative value assessments across sectors and instruments to identify opportunities and risks.</li><li>
Continuously monitor credit quality, rating changes, and market developments for covered issuers.</li><li>
Identify early warning signals for potential downgrades or defaults and recommend mitigation strategies.</li><li>
Assist in sector allocation decisions based on relative value and risk-return trade-offs.</li><li>
Maintain active dialogue with company management, rating agencies, and sell-side analysts to gather insights.</li><li>
Participate in industry conferences and due diligence meetings to stay ahead of market trends.</li><li>
Work closely with portfolio managers, traders, and other analysts to support investment decisions.</li><li>
Provide timely credit updates and market commentary to internal stakeholders.</li></ul><p></p><p><b>
Desirable skillsets/ good to have:</b></p><ul><li>
Bachelor&rsquo;s degree in Finance, Economics, or related field (Master&rsquo;s preferred).</li><li>
Professional certifications: CFA (Chartered Financial Analyst) preferred/ CA/ MBA.</li><li>
Experience in credit research, high-yield/distressed debt analysis, or leveraged finance.</li><li>
Experience in Asian credit markets with exposure to special situations and complex deal structures.</li><li>
Expertise in fundamental credit analysis, including financial statement interpretation, ratio analysis, and cash flow forecasting.</li><li>
Ability to assess complex capital structures, covenant packages, and recovery scenarios for high-yield and distressed credits.</li><li>
Strong proficiency in Excel-based financial modelling, including scenario analysis and sensitivity testing.</li><li>
Familiarity with valuation techniques such as DCF, relative value, and recovery analysis.</li><li>
Awareness of regional regulatory frameworks, credit documentation standards, and internal compliance requirements.</li><li>
Proficiency in Market data System and ability to leverage market data platforms for pricing, spreads, and liquidity analysis.</li><li>
Strong ability to articulate investment theses through clear, concise memos and presentations.</li><li>
Skilled in stakeholder engagement, including discussions with portfolio managers, traders, and external parties.</li><li>
Strong networking skills with issuers, rating agencies, and sell-side analysts.</li><li>
Familiarity with legal documentation (loan agreements, bond indentures).</li></ul><p></p><p>
This role will be based out of NKP in Mumbai.</p><p></p>
<p><b>
Purpose of the role</b></p><p>
To maintain the smooth and efficient operation of our trading desks, providing operational support and expertise to traders, sales professionals, and other key stakeholders, helping them maximize their productivity and minimize disruptions and handling administrative tasks, and providing market information and research.</p><p></p><p><b>
Accountabilities</b></p><ul><li>
Provision of immediate and efficient technical support to traders and sales professionals on the trading desks, resolving hardware, software, and network-related issues to ensure uninterrupted trading activities.</li><li>
Coordination of trade execution by liaising with traders, clients, and other internal teams to ensure smooth transactions.</li><li>
Maintenance and updating of trade records, transaction logs, and client databases accurately.</li><li>
Reports, presentations, and documentation preparation to support sales and trading activities.</li><li>
Monitoring of market data and assist in the analysis of financial information for trading decisions.</li><li>
Operational tasks such as processing trades, confirming orders, and resolving trade discrepancies.</li></ul><p></p><p><b>
Vice President Expectations</b></p><ul><li>
To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escalate breaches of policies/procedures..</li><li>
If managing a team, they define jobs and responsibilities, planning for the department&rsquo;s future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as well as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements..</li><li>
If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L &ndash; Listen and be authentic, E &ndash; Energise and inspire, A &ndash; Align across the enterprise, D &ndash; Develop others..</li><li>
OR for an individual contributor, they will be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions..</li><li>
Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment.</li><li>
Manage and mitigate risks through assessment, in support of the control and governance agenda.</li><li>
Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does.</li><li>
Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business.</li><li>
Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies.</li><li>
Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions.</li><li>
Adopt and include the outcomes of extensive research in problem solving processes.</li><li>
Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.</li></ul><p></p><p>
All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship &ndash; our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset &ndash; to Empower, Challenge and Drive &ndash; the operating manual for how we behave.</p></div>

Credit Analyst - VP

GE Precision Healthcare

Job Description Summary <p>Responsible for developing and executing cash and credit strategies for the Company. Responsible for treasury activities including cash management customer relations and cash and credit planning. Has in-depth knowledge of best practices and how own area integrates with that of others; has working knowledge of competition and the factors that differentiates them in the market.</p> Job Description Roles and Responsibilities <ul><li>Manage cash collection process with customers follow up with the customers to ensure timely cash collection (collection through LCs bank transfers checks).</li><li>Provide visibility and estimates of cash to be collected monthly / quarterly from due and not due invoices for effective cashflow management.</li><li>Provide visibility and estimates of Past dues. Review monthly risks and opportunities. Work with teams where applicable to manage and elevate disputes.</li><li>Prepare quarterly BDR for the LCT (EQ and CS). Actively work with teams to reduce and mitigate the BDR tickets.</li><li>Manage cash application process. Work with central team to provide timely input for cash application and minimize unapplied cash.</li><li>Manage the quarterly customer balance reconciliation / confirmation process with the customers.</li><li>Manage invoices delivery process for KSA and ensure timely submission of invoices.</li><li>Actively monitor and track customer limits and flag potential credit limit breach. Work with the customers to arrange securities (LC PDC PNs BGs etc.).</li><li>Manage and develop the teams of cash collectors. Work with cross functional teams to find creative solutions to address complex problems that may impact receivables.</li></ul> Required Qualifications <ul><li>Bachelors degree in finance or accounting from an accredited university.</li><li>At least 10 years of experience in cash and credit management function.</li></ul> Desired Characteristics <ul><li>Strong oral and written English and Arabic communication skills. Strong interpersonal and leadership skills. Demonstrated ability to analyze and resolve problems.</li></ul> Additional Information <p>Relocation Assistance Provided: No</p><p>Required Experience: Manager</p><p>Key Skills: EAM,Food Technology,AC Maintenance,Corrosion,Arabic Cuisine</p><p>Employment Type: Full-Time</p><p>Experience: years</p><p>Vacancy: 1</p><img src="https://www.jobg8.com/Tracking.aspx?vBomb1%2bz1ok%2bcSsoRSeMEGCCrXaUNwyTu" width="0" height="0" />

Cash and Credit Manager - MESA

Standard Chartered Bank

<div><div><div><div><div><div><div><div><p>Job ID: 42521
 </p><p>Location: Mumbai, IN
 </p><p>Area of interest: Retail Banking
 </p><p>Job type: Regular Employee
 </p><p>Work style: Office Working
 </p><p>Opening date: 23 Oct 2025
</p></div>
</div></div></div></div></div></div><p></p><div><div><div><div><div><div><div><div><b>Job Summary</b></div>
</div><div><div><b>
Monitor portfolio quality and facilitate smooth functioning of business with risk</b><br>
<ul><li>Ensure timely login</li><li>Co-ordinate for timely approvals</li><li>Train analysts on due diligence</li><li>Ensure adequate BCA quality</li><li>Compliance of regulatory and governance requirements</li><li>Manage portfolio quality through timely completion of QPR, CART, Valuations, UFCE undertakings etc</li></ul></div></div></div><div><div><div><b>
Key Responsibilities</b></div>
</div><div><div><b>
Credit Process</b><br>
<ul><li>Ensuring that the quality of Limit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.</li><li>Approving BCAs falling within own discretion and support of applications that require approval outside the delegated credit authority, where appropriate.</li><li>Highlighting/Approving breaches of applicable Risk Authorities Policy and Local Lending Policy.</li><li>Undertake regular customer visits to better understand the business environment.</li><li>Maintain Turn-around Time of BCA approvals.</li></ul></div>
<div><b>
Portfolio Management</b><br>
<ul><li>Ensuring compliance with all credit policy and Risk Authorities Policy and any divergence to be appropriately highlighted/approved.</li><li>Ensure EAR process is adhered to and participate in the monthly EAR &amp; ASTAR discussions. Assisting relationship managers in identification and managing of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing stressed accounts to maximise recoveries and minimise losses.</li><li>Support all portfolio related analysis for various reviews initiated within/outside the country.</li></ul></div>
<div><b>
Business Contribution</b><br>
<ul><li>Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions.</li><li>Maximizing Economic Revenue and minimizing Economic Loss through effective management of the risk/reward relationships.</li><li>Maintaining credit quality and standards of professionalism for the risk function.</li><li>Ensure effective implementation of Group Policies / Circulars / Procedures.</li><li>Participate actively in any group initiative to improve systems and processes</li><li>Regularly attending and making meaningful contribution to the Regional Credit Issues Forum.</li></ul></div></div></div><div></div><div><div>
</div><div><div><b>
Stakeholder Management</b><br>
<ul><li>Actively engage all stakeholders (eg. Business partners) to raise their awareness of credit issues and how these are managed by the Credit Risk function.</li><li>Ensure that Credit Risk decisions are transparent and supporting rationales are explained in a professional and courteous manner, especially when turning down proposals.</li></ul></div>
<div><b>
Operational Risk Management Assurance (ORMA)</b><br>
<ul><li>Ensure compliance to the ORMA framework (self-assessments, KRIs, KCSs, etc) and reporting.</li><li>Ensure full awareness of all the policies &amp; procedures issued in relation to money laundering prevention. Ensure compliance with these policies &amp; procedures on an ongoing basis and immediately report any deviations to the Supervisor</li></ul></div>
<div><b>
Others</b><br>
Live by values and brand promise 'Here for Good'.</div>
<div><b>
People and Talent</b><br>
<ul><li>Managing a Team of 24 Credit Analysts and work closely with them which enables monitoring of portfolio quality</li><li>Lead through talent and build the culture and values.</li><li>Ensure ongoing training and development</li><li>Employ, engage and retain high quality talent</li></ul></div>
<div><b>
Risk Management</b><br>
<ul><li>Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees</li></ul></div></div></div><div></div><div><div>
</div><div><div><b>
Governance</b><br>
<ul><li>Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business</li></ul></div>
<div><b>
Regulatory &amp; Business Conduct</b><br>
<ul><li>Display exemplary conduct and live by the Group&rsquo;s Values and Code of Conduct.</li><li>Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.</li><li>Lead the work to achieve the outcomes set out in the Bank&rsquo;s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.</li><li>Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.</li></ul></div>
<div><b>
Key Stakeholders</b><br>
<b>Internal</b><br>
<ul><li>Risk</li><li>CRC</li><li>Audit</li></ul></div>
<div><b>
External</b><br>
<ul><li>As and when necessary</li></ul></div></div></div><div><div><div><b>
Qualifications</b></div>
</div><div><ul><li>Substantial experience in the banking industry, including demonstrated success in a similar role.</li><li>Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.</li><li>Ability to work with geographically dispersed and highly varied stakeholders</li><li>At least 10 to 15 years of relevant experience in lending to SME&rsquo;s / Mid Corporates preferably in West</li></ul></div></div><div><div><div><b>
Skills and Experience</b></div>
</div><div><ul><li>Risk Understanding</li><li>Relationship skills</li><li>Negotiation skills</li><li>Stakeholder Management</li></ul></div></div><div></div><div><div><div><b><br>
About Standard Chartered</b></div>
</div><div><div>
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</div>
<div>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</div>
<div>Together we:</div>
<ul><li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li>
<li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li>
<li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li>
</ul></div></div><div><div><div><b>What we offer</b></div>
</div><div><div><b>
In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</div>
<ul><li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li>
<li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li>
<li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li>
<li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li>
<li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li>
<li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li>
</ul></div></div></div>
</div></div></div></div><div><div><p>www.sc.com/careers</p></div></div></div><div></div>

Credit Analyst Team Leader - SME ME

Atlas Dias

<p><b>Position: Credit Analyst (FRM Certified)</b></p><p><b>Location:</b> Qatar<br/><b>Employment Type:</b> Permanent</p><p><b>Key Responsibilities</b></p><ul><li>Conduct comprehensive <b>credit and financial risk assessments</b> of clients and counterparties.</li><li>Analyze <b>financial statements, cash flow projections, and credit histories</b> to determine creditworthiness.</li><li>Prepare detailed <b>credit proposals and risk evaluation reports</b> for management review.</li><li>Monitor ongoing <b>credit exposures</b> and identify early warning indicators of potential default.</li><li>Collaborate with <b>finance, treasury, and risk management</b> teams to ensure effective portfolio oversight.</li><li>Ensure compliance with <b>regulatory requirements, internal credit policies, and risk frameworks</b>.</li><li>Contribute to <b>continuous improvement</b> in credit risk methodologies and assessment tools.</li></ul><p><b>Qualifications &amp; Requirements</b></p><ul><li>Bachelor&rsquo;s or Master&rsquo;s degree in <b>Finance, Accounting, Economics, or a related discipline</b>.</li><li><b>FRM (Financial Risk Manager)</b> certification &ndash; <i>Mandatory</i>.</li><li>Minimum <b>5 years of experience</b> in <b>credit analysis, financial risk management, or banking</b>.</li><li>Proficiency in <b>financial modeling, Excel, and risk analysis software</b>.</li><li>Strong analytical, problem-solving, and communication skills.</li><li>Excellent command of <b>English (written and spoken)</b>.</li></ul><p>Job Type: Permanent</p><p>Application Question(s):</p><ul><li>Do you required any Notice period?</li><li>Do you have a freelance Visa?</li></ul><p>Experience:</p><ul><li>Credit Analyst : 7 years (Preferred)</li></ul><p>License/Certification:</p><ul><li>FRM Certificate (Preferred)</li></ul>

Credit Analyst (FRM Certified)

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