credit officer

Deem Finance

<div>
 <p>
  <strong>
   Strategic Leadership and Digital Credit Transformation
  </strong>
 </p>
 <ul>
  <li>
   Define and lead the bank&rsquo;s digital credit risk strategy, focusing on scalable, automated, and data-driven underwriting systems.
  </li>
  <li>
   Design and refine digital underwriting frameworks and scoring models across products, embedding them into end-to-end digital journeys.
  </li>
  <li>
   Implement rule-based decision engines and AI-driven risk assessments to support real-time approvals and risk-based pricing.
  </li>
  <li>
   Collaborate with IT and product teams to build API-based ecosystems that integrate credit bureaus, identity verification services, bank statement readers, and alternate data sources.
  </li>
  <li>
   Establish credit risk architecture for mobile apps, digital onboarding, and straight-through processing platforms.
  </li>
 </ul>
 <p>
  <strong>
   Credit Policy, Governance, and Regulatory Compliance
  </strong>
 </p>
 <ul>
  <li>
   Develop and maintain robust credit policies, product-specific underwriting criteria, and risk frameworks aligned with Central Bank and internal governance standards.
  </li>
  <li>
   Monitor credit performance by segment (personal loans, credit cards, SME), ensuring adherence to limits, exposure, and thresholds.
  </li>
  <li>
   Serve as the main point of contact for regulatory bodies during credit audits and inspections.
  </li>
  <li>
   Ensure KYC, AML, and FATCA-related risks are controlled during the credit origination and review stages.
  </li>
 </ul>
 <p>
  <strong>
   Credit Operations and Underwriting Oversight
  </strong>
 </p>
 <ul>
  <li>
   Oversee the performance and structure of underwriting teams including Team Leader Underwriters and Underwriters.
  </li>
  <li>
   Drive productivity through digitized workflows, performance dashboards, and process automation.
  </li>
  <li>
   Approve complex and exception-based cases that fall outside automated decision criteria.
  </li>
  <li>
   Optimize operating models to manage both high-volume retail products and higher-risk SME accounts.
  </li>
 </ul>
 <p>
  <strong>
   Portfolio Management and Risk Monitoring
  </strong>
 </p>
 <ul>
  <li>
   Lead ongoing monitoring and review of portfolio performance using data analytics, portfolio segmentation, and scorecard tracking.
  </li>
  <li>
   Conduct risk reviews and trend analysis to identify early warning signals and take preventive action.
  </li>
  <li>
   Design and execute stress tests and simulations for adverse macroeconomic scenarios or sectoral shocks.
  </li>
  <li>
   Maintain dynamic risk appetite statements and exposure limits based on internal and external triggers.
  </li>
 </ul>
 <p>
  <strong>
   Innovation, Product Risk &amp; Credit Enablement
  </strong>
 </p>
 <ul>
  <li>
   Collaborate with the Product and Growth teams to ensure credit products are risk-aligned from the design stage.
  </li>
  <li>
   Support digital product launches by predefining acceptable credit parameters, pricing bands, and automated decision rules.
  </li>
  <li>
   Continuously evaluate market trends, competitor offerings, and alternative lending innovations to improve the bank&rsquo;s credit risk posture.
  </li>
  <li>
   Work closely with fintech partners, credit bureaus, and third-party vendors to build credit intelligence capabilities.
  </li>
 </ul>
 <p>
  <strong>
   Credit Review and Obligors Oversight
  </strong>
 </p>
 <ul>
  <li>
   Annual individual obligor reviews (Wholesale) and portfolio reviews (Retail).
  </li>
  <li>
   Trigger events for risk rating updates and policy amendments.
  </li>
  <li>
   Clear documentation for credit decisions and delegation matrix for approvals.
  </li>
 </ul>
 <p>
  <strong>
   Exception Management
  </strong>
 </p>
 <ul>
  <li>
   Requirement to justify exceptions or deviations in writing.
  </li>
  <li>
   Process for referring exceptions to CRO for review while maintaining CCO&rsquo;s decision-making autonomy.
  </li>
  <li>
   Collaboration with CRO when a proposal breaches risk appetite.
  </li>
 </ul>
 <p>
  <strong>
   Regulatory Oversight
  </strong>
 </p>
 <ul>
  <li>
   Clear expectation of compliance with UAE Central Bank regulations, Basel norms, and audit readiness.
  </li>
  <li>
   Role in regulatory inspections, audits, and supporting full transparency.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Team Development and Leadership
  </strong>
 </p>
 <ul>
  <li>
   Lead and mentor the credit underwriting leadership team to foster high performance, accountability, and knowledge growth.
  </li>
  <li>
   Identify training needs related to digital credit analytics, fraud detection, and behavioral underwriting.
  </li>
  <li>
   Build a talent pipeline that combines traditional underwriting expertise with data analytics and digital fluency.
  </li>
 </ul>
 <p>
  Encourage a culture of agility, continuous improvement, and cross-functional collaboration
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Role Specifications
  </strong>
 </p>
 <p>
  Education
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in Finance, Business Administration, Risk Management, Economics, or a related field (Mandatory)
  </li>
  <li>
   MBA or Master&rsquo;s in Risk Management or Financial Engineering preferred
  </li>
  <li>
   Professional certifications such as FRM, CFA, or equivalent are highly desirable
  </li>
  <li>
   In depth knowledge in Basel standards and internal credit review frameworks.
  </li>
 </ul>
 <p>
 </p>
</div>


Chief Credit Officer

Bank ABC

<div>
 <p>
  Bank ABC seeks to recruit a Credit Administration Officer in the Head Office Credit Department based in our Head Office, in Bahrain.
 </p>
 <p>
  <br/>
 </p>
 <p>
  The Credit Administration Officer will be responsible for overseeing and managing the overall credit administration function in Bank ABC Head Office. This includes managing the credit documentation process, coordinating with internal stakeholders on credit matters and ensuring compliance with regulatory guidelines.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <u>
    Responsibilities of the role:
   </u>
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  Reporting to the Head of Head Office Credit Administration, the job holder will be responsible for the following:
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Assist line manager to design and maintain credit administration policies and procedures in accordance with the regulatory requirements and industry best practices.
  </li>
  <li>
   Manage the credit documentation process, ensuring that all credit files are complete and accurate and comply with bank policies and regulatory guidelines.
  </li>
  <li>
   Work closely with credit risk, business and product teams to monitor and manage credit quality and portfolio risks and advise on post credit approval matters.
  </li>
  <li>
   Ensure credit files are maintained in an orderly, up-to-date, and easily retrievable manner.
  </li>
  <li>
   Maintain effective relationships with internal stakeholders in different functions across the bank, including credit, legal, compliance, operations, and risk management, to support and enhance the credit administration function.
  </li>
  <li>
   Maintain good relationships with external stakeholders, such as external auditors
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <u>
    Areas of Knowledge, Qualification and Experience
   </u>
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   A minimum of 5 years of in wholesale banking, with at least 3 years in a credit administration environment.
  </li>
  <li>
   Bachelor's degree in finance, accounting, business administration, or a related field
  </li>
  <li>
   Strong analytical skills, including the ability to extract, analyse, and handle large amounts of data in a timely manner
  </li>
  <li>
   Good understanding of credit risk management concepts and principles
  </li>
  <li>
   Good understanding of regulatory requirements related to credit administration
  </li>
  <li>
   Excellent PC skills, particularly MS office and ability to present information
  </li>
  <li>
   Strong communication skills and interpersonal skills, and the ability to collaborate effectively with internal and external stakeholders.
  </li>
  <li>
   Ability to function under pressure in a fast-paced, dynamic environment.
  </li>
  <li>
   Work as a team member, good communication and presentation skills, accountability, transparent and open.
  </li>
  <li>
   Good organizational skills
  </li>
  <li>
   Good analytical and problem solving skills
  </li>
  <li>
   Good creative and innovative thinking skills
  </li>
  <li>
   Ability to work accurately, under high pressure within fixed and short timeframes, managing work deliverables
  </li>
 </ul>
 <p>
 </p>
</div>


Credit Administration Officer

بنك ABC

<div><div>Bahrain
</div><div>Full Time
</div><div>Experienced</div></div>
<br><div>Bank ABC seeks to recruit a Credit Administration Officer in the Head Office Credit Department based in our Head Office in Bahrain.<br>
<br>
The Credit Administration Officer will be responsible for overseeing and managing the overall credit administration function in Bank ABC Head Office. This includes managing the credit documentation process, coordinating with internal stakeholders on credit matters and ensuring compliance with regulatory guidelines.<br>
<br>
<b>Responsibilities of the role:</b><br>
<br>
Reporting to the Head of Head Office Credit Administration, the job holder will be responsible for the following:
<br>
<ul><li>Assist line manager to design and maintain credit administration policies and procedures in accordance with the regulatory requirements and industry best practices.</li><li>
Manage the credit documentation process, ensuring that all credit files are complete and accurate and comply with bank policies and regulatory guidelines.</li><li>
Work closely with credit risk, business and product teams to monitor and manage credit quality and portfolio risks and advise on post credit approval matters.</li><li>
Ensure credit files are maintained in an orderly, up-to-date, and easily retrievable manner.</li><li>
Maintain effective relationships with internal stakeholders in different functions across the bank, including credit, legal, compliance, operations, and risk management, to support and enhance the credit administration function.</li><li>
Maintain good relationships with external stakeholders, such as external auditors</li></ul><br>
<b>
Areas of Knowledge, Qualification and Experience</b><br>
<ul><li>
A minimum of 5 years of in wholesale banking, with at least 3 years in a credit administration environment.
</li><li>Bachelor's degree in finance, accounting, business administration, or a related field</li><li>
Strong analytical skills, including the ability to extract, analyse, and handle large amounts of data in a timely manner</li><li>
Good understanding of credit risk management concepts and principles</li><li>
Good understanding of regulatory requirements related to credit administration</li><li>
Excellent PC skills, particularly MS office and ability to present information</li><li>
Strong communication skills and interpersonal skills, and the ability to collaborate effectively with internal and external stakeholders.</li><li>
Ability to function under pressure in a fast-paced, dynamic environment.</li><li>
Work as a team member, good communication and presentation skills, accountability, transparent and open.
</li><li>Good organizational skills</li><li>
Good analytical and problem solving skills</li><li>
Good creative and innovative thinking skills</li><li>
Ability to work accurately, under high pressure within fixed and short timeframes, managing work deliverables</li></ul></div>

Emirates NBD

<div>
 <p>
  Job Responsibilities:
 </p>
 <p>
  -Handling the Corporate portfolios, its day-to-day operations, monitoring utilization under facilities accounts and ensuring that necessary approvals are obtained within the credit policy before any disbursement. Due diligence is done before any Utilization by requesting the supporting documents to review the transaction and ensure that It is abiding by the terms of the credit approval.
 </p>
 <p>
  -Checking and reviewing the corporates' limits. Applying the limits on the system and frequent follow up to ensure that limits are in the line with the approval by preparing the reports on a monthly basis.
 </p>
 <p>
  -Checking the pricing of OVDs, loan line and refinance loans on the system on a monthly basis. To ensure that interest is applied as per approval and also Amending the change in pricing after taking necessary approvals.
 </p>
 <p>
  -Achieving new projects / requests, or any other assignments related to the Group, that are assigned by direct supervisor.
 </p>
 <p>
  -Reviewing all transactions on limit to make sure of purpose, also Input limits against collaterals.
 </p>
 <p>
  -Required years of experience from 2- 4
 </p>
</div>


Bagerz

<div><div><div><h5 class="jobSectionHeader"><b>Overview</b></h5><br>
</div><p></p><div><h4 class="jobSectionHeader"><b>Job Description</b><div><div><b><br>
</b></div></div></h4><p></p><ul><li>Verify and validate the distribution of credit in the system, ensuring accuracy in the amount and terms of the credit according to the contract.</li>
<li>Records and reconciles in the system the portion paid through the bank for loans distributed</li>
<li>Ensures that all required documents and verifications are completed before final validation of the loan disbursement process.</li>
<li>Confirms that the loan disbursement is in accordance with the institution's policies and procedures and regulatory requirements.</li>
<li>Records data in the credit management system.</li>
<li>Verify and update the system with accurate customer data.</li>
<li>Maintain accurate records of credit disbursements and report any discrepancies for review.</li>
<li>Communicates and notifies branches as needed on issues related to the validation of loan disbursement.</li>
<li>Checks documents for any discrepancies before releasing funds.</li>
</ul><h4 class="jobSectionHeader"><b>Job Requirements</b></h4>
<ul><li>University degree in Economics or a similar field,</li>
<li>Experience in lending operations, credit distribution processes or similar roles in the financial services sector.</li>
<li>Professional knowledge in the use of credit management systems and financial systems.</li>
<li>Attention to detail and good ability to work with numbers.</li>
<li>Excellent communication and interpersonal skills.</li>
<li>Strong problem-solving skills and ability to work under pressure.</li>
<li>Research, analytical and information evaluation skills,</li>
<li>Very good computer skills (Microsoft Office programs),</li>
</ul>
<p>About Company:</p>
<p>
Bagerz, a dynamic and forward-thinking organization, is committed to delivering excellence across all industries. We are currently on the lookout for passionate professionals who are eager to grow, innovate, and contribute to meaningful projects in a collaborative and fast-paced environment.</p>
</div>
<div><div><h5 class="jobSectionHeader"><b>Job Nature</b></h5>
</div><div>Full Time
</div></div><div></div><div><div><h5 class="jobSectionHeader"><b>Job Location</b></h5>
</div><div>Dubai
</div></div><div></div><div><div><h5 class="jobSectionHeader"><b>Job Level</b></h5>
</div><div>Sr. Position
</div></div></div><div></div><div><h3 class="jobSectionHeader"><b>How to Apply</b></h3>
<div></div>Apply Online</div></div><div></div>

Credit Department Officer

البنك التجاري الدولي

<div></div><div><div>Description<div></div><p><br>
1. Monitor the portfolio by providing portfolio drilldowns and segmented analysis using quantitative models to ensure credit quality is being maintained across all products</p>
<p>
2. Develop and monitor the portfolio trends for assigned products / segments, highlight any adverse trends, affecting the portfolio quality and impact on Products / Segments P&amp;L and RAR to be highlighted and corrective actions to be taken accordingly</p>
<p>
3. Monitor the early warning &amp; fraud signals dashboards across the different segments to ensure the credit performance is kept under close watch and forecast future performance trends</p>
<p>
4. Assist in the review of the comprehensive Portfolio Quality Reviews (PQRs) for all Asset Portfolios monthly, using generated reports to review all portfolio aspects including credit quality, competitiveness, financial prospective &amp; ensure that losses are in line with forecasts and providing the required analysis and portfolio insights to the relevant Risk Committees&rsquo; including the BB Risk Committee, Operational Risk Committee, the fraud Management Committee and the Board Risk Committee</p>
<p>
5. Participate in the credit review meeting for the product owners, where the performance of the portfolio is rigorously reviewed to ensure effectiveness of credit parameters and recommendations for policy changes if required and recommend policy changes and highlight possible portfolio growth opportunities as well</p>
<p>
6. Conduct the ongoing performance review and validation of developed RR for credit Products</p>
<p>
7. Develop enhanced forecasting modules to ensure provisions/ENR budget is adequate in line with Business Growth Plans</p>
<p>
8. Working closely with remedial management unit to develop different strategies for different segments to ensure portfolios&rsquo; delinquencies and credit cost are optimized</p>
<p>
9. Assist the team head in monitoring and interpreting regulatory, governance and global policy changes which impact LLR reserves</p>
<p>
10. Monitor and track Products financial indicators term of profitability &amp; cost of risk.</p><div><br>
</div></div><div>
Qualifications<div></div><p><b><br>
Qualifications &amp; Experience</b></p>
<p>
&sect; Bachelor&rsquo;s degree of Economics, commerce, Business Administration, accounting or equivalent.</p>
<p>
&sect; For Officer: Min. 6 years of relevant experience</p>
<p>
&sect; For Senior Officer: Min. 8 years of relevant experience</p>
<p><b>
Skills</b></p>
<p>
&sect; Proficiency in Microsoft Office (Excel, word and Power Point)</p>
<p>
&sect; Coding knowledge (SQL, SAS, R or Python) or SAS enterprise guide is preferable.</p>
<p>
&sect; Able to analyse and interpret large volumes of data</p>
<p>
&sect; learns to use professional concepts to resolve problems of limited scope and complexity under close supervision while achieving day-to-day objectives</p>
<p>
&sect; Works on developmental assignments that are initially periodic in nature, requiring limited judgment and decision making.</p><div><br>
</div></div><div>
Primary Location: Egypt-Cairo-MERRYLAND</div><div>
Job: Back Office</div><div>
Organization: RISK</div><div>
Shift: Day Job</div><div>
Job Type: Full-time Employee</div></div>

BB PORTFOLIO MONITORING & MANAGEMENT SENIOR OFFICER

<div></div><div><div>Description<div></div><p><br>
Job Purpose:</p>
<p>
To initiate, develop and update all the business banking credit policies or any specific product related to the segment in order to ensure asset quality, risk appetite and business plans are effectively maintained.</p>
<p>
In addition, to prepare and consolidate any reports required the by internal/external parties and manage the implementation of any agreed upon action plan to remedy comments raised as well as generating all the Board /Board Risk Committee requirements related to the business banking credit policy in terms of producing the necessary analysis, action points and follow-ups.</p>
<p>
Job description:</p>
<p>
1. Develop a proactive policy management process by using tools embedded in the early warning and watch-listing framework to make policy amendments if required.</p>
<p>
2. Evaluate on a regular basis competitiveness of policies within the market and recommend necessary changes to meet business budgets.</p>
<p>
3. Monitor thoroughly the newly introduced Business Banking credit policies in terms of effectiveness and credit quality</p>
<p>
4. Develop comprehensive action plans to manage adverse trends and red flags detected by the BB Portfolio Management team affecting the portfolio quality and profitability.</p>
<p>
5. Identify required data and work with BB Portfolio Team Heads to understand data source, ensure data quality and retrieve data on a timely basis to ensure quality of Policy Decisions.</p>
<p>
6. Assist in analysing segments and trends through collaborating with the business and all relevant stakeholders to be able to propose corrective policy changes and to highlight possible opportunities.</p>
<p>
7. Proceed with the execution of any requirements received by the different Risk Committees (BB Risk Committee and the Board Risk Committee) including policy changes, adverse trends &amp; action points and communicate it to the team in order to be presented to the committee members in a timely manner.</p>
<p>
8. Collaborate and request feedback from the Fraud Management team on all fraudulent incidents to amend all policies accordingly in order to mitigate any future possible fraud risks</p>
<p><b>
Policies, Processes and Procedures</b></p>
<p>
9.Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner</p>
<p><b>
Day-to-day operations</b></p>
<p>
Follow the day-to-day operations related to own jobs in the BB Credit Policy to ensure continuity of work</p>
<p><b>
Compliance</b></p>
<p>
Comply with all relevant CBE regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB&rsquo;s sound legal position and mitigate any potential risks</p><div></div><div><br>
</div></div><div>
Qualifications<div></div><p><b><br>
Qualifications &amp; Experience</b></p>
<ul>
<li>Bachelor&rsquo;s degree of commerce, Business Administration, accounting or equivalent.</li>
</ul>
<div>&sect; CIB/ external Credit Training Program &ldquo;Credit Course&rdquo; is preferable
</div><ul><li>For Officer: Min. 6 years of experience in Corporate/BB Banking or Corporate/BB Risk or relevant experience.</li>
<li>For Senior Officer: Min. 8 years of experience in Corporate/BB Banking or Corporate/BB Risk or relevant experience.</li>
</ul>
<p><b>Skills</b></p>
<ul>
<li>Solid credit policy experience having policy experience with different products or relevant experience</li>
<li>Have sound knowledge of the Egyptian market in terms of risks associated with the bb Banking products</li>
<li>Excellent command of English language beside Arabic</li>
</ul>
<p>Self-motivated, team player, excellent soft skills, quantitative and qualitative analysis and decision-making skills, etc.</p><div><br>
</div></div><div>
Primary Location: Egypt-Cairo-MERRYLAND</div><div>
Job: Back Office</div><div>
Organization: RISK</div><div>
Shift: Day Job</div><div>
Job Type: Full-time Employee</div><div>
Travel: No</div></div>

BB CREDIT POLICY & PROGRAMS SENIOR OFFICER

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