credit officer

Bank of America

<div>Job Description:
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. 
 
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. 
 
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. 
 
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! 
Job Description:
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.
Responsibilities:<ul><li>
Collaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bank</li><li>
Manages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closing</li><li>
Delivers on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures</li><li>
Monitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely manner</li><li>
Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate</li><li>
Participates in Regional and Market meetings to communicate credit delivery best practices and results</li></ul>
Skills:<ul><li>
Business Acumen</li><li>
Coaching</li><li>
Decision Making</li><li>
Hiring and Onboarding</li><li>
Loan Structuring</li><li>
Collaboration</li><li>
Credit Documentation Requirements</li><li>
Oral Communications</li><li>
Risk Management</li><li>
Written Communications</li><li>
Change Management</li><li>
Executive Presence</li><li>
Organizational Effectiveness</li><li>
Underwriting</li></ul>
Required Qualifications:<ul><li>
10+ years of solid Commercial Banking experience</li><li>
Experience in financial analysis, structuring, underwriting and portfolio management</li><li>
Analytical/technical skills, including financial accounting, modeling and loan structuring</li><li>
Strong communication skills; ability to communicate vertically, horizontally, and externally</li><li>
Industry knowledge across multiple sectors</li></ul>
Minimum Education Requirement: BA/BS Degree Desired
Shift:
1st shift (United States of America)
Hours Per Week:
40</div>

Credit Officer II

Imdad

<div>The Senior Credit Officer is required to manage all credit Management tasks. The role involves analysis and tracking of customer aging &amp; payment behaviour and analysing any possible new credit granting opportunity in line with Imdad Credit Policy. In addition to Monitoring customers payment behaviour and interacting with any unjustified overdue.
The role holder may be required to personally handle complex Credit cases and to demonstrate a valid analytical Credit Opinion, in addition to professional negotiation skills.
Job Responsibilities:<ul><li>
Adhere to company policies, procedures and directions. Report on overriding credit policy incidents to Imdad Management.</li><li>
Review New &amp; Current Credit Application, analyse all documents, reporting any missing documents, and making sure that approvals are based on complete receipt of requirements as per company Credit Policy.</li><li>
Reviewing &amp; revising contracts &amp; credit granting limits and advising any potential risk deals in addition to providing the most achievable solution to proceed with the credit deal.
</li><li>Analyse and assess the financial statements and credit history of new &amp; existing clients, any affiliated accounts.</li><li>
 Prepare credit reports according to established procedures &amp; requests.</li><li>
 Provide credit recommendations tied to analysis and assessment of credit risk.</li><li>
 Assist finance department to reconcile &amp; schedule the credit deals and identify discrepancies and variances.</li><li>
 Prepare and review the drafts related to customers&rsquo; contractual arrangements (e.g. sales contracts, addendums, etc.)</li></ul> 
Requirements 
Minimum Qualifications:<ul><li>
Bachelor&rsquo;s degree in accounting.</li><li>
4 &ndash; 6 Years of experience in credit management.
</li><li>Very Good English and Arabic &ndash; verbal and written.</li><li>
Excellent in Microsoft Word and Excel</li></ul>
Skills:<ul><li>
Teamwork.</li><li>
Excellent written and verbal communication skills.</li><li>
Self-motivated with the ability to learn.</li><li>
Strong follow-up skills.</li><li>
Open to handling new tasks if required.</li><li>
Committed with the ability to work under pressure.</li><li>
Corporate etiquette.</li></ul> 

Benefits 
Annual Increment, Annual Incentive</div>

Senior Credit Officer - Cairo

Sumitomo Group

<div>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. 
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. 
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.<div><div><div><h2 class="jobSectionHeader">
Role Description</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">
Role Objectives</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">
Qualifications and Skills</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>
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. 
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.</div>

Credit Officer / LBO

Trane Technologies

<div><div><div>At Trane TechnologiesTM and through our businesses including Trane&reg; and Thermo King&reg;, we create innovative climate solutions for buildings, homes, and transportation that challenge what&rsquo;s possible for a sustainable world. We're a team that dares to look at the world's challenges and see impactful possibilities. We believe in a better future when we uplift others and enable our people to thrive at work and at home. We boldly go. 
 
Job Summary： 
Trane in Saudi Arabia is hiring a Credit &amp; Collection Officer that will manage an Accounts Receivable portfolio for Trane Technologies operations in the Middle East &amp; Africa, including the related credit and collection activities in order to minimize credit risk while maximizing cash performance.</div>
The role includes credit investigation &amp; assessment, credit hold management &amp; order release; collections follow up &amp; escalation; query &amp; dispute resolution; customer visits; escalation to collection agencies and legal counsel; liaison with commercial, finance &amp; reporting teams; compliance activities.
The portfolio is Trane Saudi Arabia: sales from local offices across the country, including Trade Finance activities. 
Responsibilities:<ul><li>
Gather necessary information for credit assessment and payment terms approval; support the regional manager with decisions about credit risk &amp; cash flow.</li><li>
Support credit assessment of new and existing customers and approve credit limits in line with Limits of Authority assigned to the role.</li><li>
Provide information on credit checking and order holds and releases on timely basis. Notify manager of significant issues impacting collection of outstanding receivables</li><li>
Responsible for the collection and the maintenance of account receivables with particular attention to Trade Finance requirements: review &amp; validate payment instruments such as Letters of Credit, Promissory Notes, monitor &amp; escalate risk of discrepancies, gather &amp; present documents, prepare specific Trade Finance reporting.</li><li>
Follow &amp; optimize collection protocol for the portfolio: monthly statement of account, pre-calling record customer feedback, register promise to pay, follow up on tasks and broken promises, send dunning letters, arrange customer visits, escalate to manager and to commercial team, etc.</li><li>
Ensure funds are correctly applied to the relevant customer account and invoices; keep unapplied cash to the minimum. Support the cash application team as and when needed.</li><li>
Prepare reports as per monthly schedule and on ad hoc basis for the credit and financial functions</li><li>
Expedite resolution of customer disputes &amp; queries by linking with Sales/Order Management/Warranty as required.</li><li>
Informing management regarding effectiveness of strategies for various accounts.</li><li>
Promote a culture of continuous process improvement and collaborate actively internal stakeholders.</li><li>
Support the Credit Centre of Excellence for major credit reviews for all customers whenever required.</li><li>
Ensure compliance with Corporate and Local credit policies and other compliance requirements such as Trade Compliance, Sarbanes Oxley, etc.</li></ul> 
Qualifications:<ul><li>
University Degree in Business, Finance, Accounting or similar field.</li><li>
 Minimum 3-year experience in Credit &amp; Collection or similar role</li><li>
Good understanding of commercial credit and collection practices and knowledge of financial analysis.</li><li>
Strong proficiency in Microsoft Excel &amp; Outlook</li><li>
Hands-on work experience in credit and collection, preferably with an experience from a manufacturing, contracting or construction background with good reconciliations skills.</li><li>
Experience of working on Letters of Credit and Promissory Notes</li><li>
Good accounting background &amp; financial knowledge in order to drive account reconciliation during the customer visits, helping boost up collections.</li><li>
 Good ERP knowledge with excellent MS office skills</li><li>
Good communication (verbal/written) skills &amp; good negotiation skills - articulate &amp; confident enough to push back customers raising in genuine disputes.</li><li> 
Saudi National is a must. 
 
Key Competencies: 
 
We offer competitive compensation and comprehensive benefits and programs. We are an equal opportunity employer; all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, pregnancy, age, marital status, disability, status as a protected veteran, or any legally protected status.</li></ul></div></div>

Credit & Collection Officer - Riyadh

Moody's

<div>At Moody's, we unite the brightest minds to turn today&rsquo;s risks into tomorrow&rsquo;s opportunities. We do this by striving to create an inclusive environment where everyone feels welcome to be who they are&mdash;with the freedom to exchange ideas, think innovatively, and listen to each other and customers in meaningful ways. Moody&rsquo;s is transforming how the world sees risk. As a global leader in ratings and integrated risk assessment, we&rsquo;re advancing AI to move from insight to action&mdash;enabling intelligence that not only understands complexity but responds to it. We decode risk to unlock opportunity, helping our clients navigate uncertainty with clarity, speed, and confidence.
If you are excited about this opportunity but do not meet every single requirement, please apply! You still may be a great fit for this role or other open roles. We are seeking candidates who model our values: invest in every relationship, lead with curiosity, champion diverse perspectives, turn inputs into actions, and uphold trust through integrity.<div>
Skills and Competencies 
<ul><li>Extensive credit analysis experience within Public Finance</li><li>Experience with Project &amp; Infrastructure Finance (PIF) credit analysis</li><li>Deep working knowledge of credit methodologies and financial analysis</li><li>Strong communication skills</li><li>Proven ability to work collaboratively</li><li>Demonstrated proficiency in artificial intelligence concepts, with hands-on experience using AI tools to streamline workflows and enhance operational efficiency. Proven ability to implement AI-powered solutions to solve business challenges. Demonstrates a growing awareness of AI risk management and a commitment to responsible and ethical AI use</li></ul></div><div>
Education 
<ul><li>A Bachelor's degree in Finance, Economics, or a related field is required. An advanced degree or professional certification (e.g., CFA) is a plus</li></ul></div><div>
Responsibilities 
<ul><li>Lead cross-functional reviews of rating methodologies</li><li>Serve as subject-matter expert on Public Finance and PIF</li><li>Evaluate analytical consistency and methodology application</li><li>Provide challenge and guidance during methodology implementation</li><li>Assess emerging risks and market developments</li><li>Collaborate with senior leaders and analytical teams</li><li>Contribute to thought leadership and sector insights</li><li>Support training and knowledge-sharing initiatives</li></ul></div>
About the Team 
The Methodology Review Group (MRG) is responsible for maintaining the integrity, consistency, and transparency of Moody&rsquo;s rating methodologies, supporting high-quality analytical outcomes across the organization.
For US-based roles only: the anticipated hiring base salary range for this position is $233,700.00 - $338,850.00, depending on factors such as experience, education, level, skills, and location. This range is based on a full-time position. In addition to base salary, this role is eligible for incentive compensation. Moody&rsquo;s also offers a competitive benefits package, including not but limited to medical, dental, vision, parental leave, paid time off, a 401(k) plan with employee and company contribution opportunities, life, disability, and accident insurance, a discounted employee stock purchase plan, and tuition reimbursement.
Moody&rsquo;s is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, sex, gender, age, religion or creed, national origin, ancestry, citizenship, marital or familial status, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, military or veteran status, or any other characteristic protected by law. Moody&rsquo;s also provides reasonable accommodation to qualified individuals with disabilities or based on a sincerely held religious belief in accordance with applicable laws. If you need to inquire about a reasonable accommodation, or need assistance with completing the application process, please email accommodations@moodys.com. This contact information is for accommodation requests only, and cannot be used to inquire about the status of applications
For San Francisco positions, qualified applicants with criminal histories will be considered for employment consistent with the requirements of the San Francisco Fair Chance Ordinance.
This position may be considered a promotional opportunity, pursuant to the Colorado Equal Pay for Equal Work Act. 
 
Candidates for Moody's Corporation may be asked to disclose securities holdings pursuant to Moody&rsquo;s Policy for Securities Trading and the requirements of the position. Employment is contingent upon compliance with the Policy, including remediation of positions in those holdings as necessary.</div>

VP-Sr Credit Officer-Methodology Review Group(Public Finance)

Emirates NBD

<div>
 
 Job Responsibilities:
 
 
 -Monitor &amp; review effective sampling to ensure maintaining a healthy credit cycle in terms of assessment and portfolio management.
 
 
 -Verify that loan booking is performed correctly according to the delegation of authority matrix, CBE requirements and credit policy criteria.
 
 
 -Responsible for effective implementation for the regulatory requirements which are related to retail credit facilities.
 
 
 -Deliver all required tasks and reports within the agreed timeframe.
 
 
 -Regular follow-up on the detected errors to reach a high level of loss mitigation.
 
 
 -Perform daily sampling on the following (overdrawn accounts, capitalization transactions, salary trend review, secured facilities, non-starters. etc).
 
 
 -Ensure full awareness of Retail Credit Policy and product sheets.
 
 
 -Assist in identifying Risk associated with Credit and Collection processes and ensure compliance with applicable policies.
 
 
 -Required years of experience from 0-1 in the Retail Risk.
 
 
 
</div>

Retail Risk Credit Controls Officer

Rapid Access

The Role
 MAIN PURPOSE OF JOB: The Credit Officer will be managing and organising the collections as well helping to resolve any disputes according to the Rapid Access credit control policy. Reporting into the Credit Control Manager, the Credit Officer will be part of a team responsible for credit and collection across the assigned geographical region. They will ensure the timely collection of receivables from invoice submission when the first bills become due to payment. The Credit Officer will be responsible for the timely collection of accounts receivable including analysing delinquent account balances and determining the appropriate plan of action to successfully resolve overdue customer debt and minimise outstanding receivables. KEY RESPONSIBILITIES: Account Management • Work with the Senior Credit Controllers to manage a portfolio of customer accounts Cash Collection • Visit customers to organise cash collection in order to meet cash collection targets • Inform customers of overdue accounts and amount currently owed • Follow up on and track all overdue customer accounts through regular collection reminder phone calls and written collection communication • Discuss with customers to determine reasons for overdue payments • Record customer commitment to repay debt Reconciliations • Ensure that invoices are correct and issued and on time to customers • Ensure collection is correct and made as per the agreed payment terms and credit limits • Support the ongoing reconciliation between customer requests for credits and our own engineering records • Reconcile customer accounts with customer statements • Appropriately entering and allocating all cash receipts into the Finance system Reporting • Maintaining detailed records of all collection activity • Provide a weekly forecast of expected cash collections for the Senior Credit Controllers to review • Report on changes from earlier cash collection forecasts Escalations • Feedback on company issues, market issues, credit control and customer service issues • Escalate the default customer accounts to the Senior Credit Controllers if necessary Other • Daily banking and processing received cheques and cash • Participate in and suggest continuous process improvement ideas • Follow up on customer queries • Appropriately issue credit notes on timely basis • Responsible for understanding and practicing appropriate safety procedures as follows: o Act as safely at work as you would elsewhere, if not more so o Use the tools available to you to maintain a safe environment o Participate in the safety training programme to educate yourself on hazards, safety practices, and rules o Communicate about unsafe practices and conditions o Always follow safety rules and regulations
 
Requirements
 QUALIFICATION AND EXPERIENCE REQUIREMENTS: The chosen candidate will meet ALL the essential criteria below: ESSENTIAL • High school diploma or above • Previous experience in a credit or cash collections role • Ability to analyse and interpret large amounts of numerical information • Ability to deal with customers of the public on a daily basis • Hold a current full and clean driving licence • Working knowledge of Microsoft Office Suites Word and Excel • Computer literate – Word and Excel • Good standard of written and spoken English language skills DESIRABLE • Fluent written and spoken Arabic language skills • Ideally have good knowledge of the local area
 
About the company
 Established in 1996, Rapid Access is the market leader for powered access solutions in the Middle East and part of world's 3rd largest rental company, Loxam Group. We hold the largest and most diverse selection of access equipment in the GCC ensuring availability and the right equipment for every application. In addition to equipment hire and sale, we offer working at height consultancy, training and a unique range of material handling attachments and safety systems which increase the efficiency and safety of working at height.

Credit Controller

Search 5180+ Credit officer jobs near you this March. New roles added regularly across leading industries. Apply today.