credit portfolio manager

Citi

<div><h2 class="jobSectionHeader">Discover your future at Citi</h2>
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you&rsquo;ll have the opportunity to grow your career, give back to your community and make a real impact.
<h2 class="jobSectionHeader">Job Overview</h2>
The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally. 
 
Responsibilities:<ul><li>
Resolve issues and recommend solutions to moderate problems</li><li>
Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family</li><li>
Serve as an industry expert and advisor</li><li>
Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds</li><li>
Develop risk management framework and processes for funds</li><li>
Advise businesses and clients on transaction structures and negotiate credit terms</li><li>
Has the ability to operate with a limited level of direct supervision.
</li><li>Can exercise independence of judgement and autonomy.
</li><li>Acts as SME to senior stakeholders and /or other team members.</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>
Qualifications:<ul><li>
2-5 years of relevant experience</li><li>
Experience in financial analysis, accounting and valuation</li><li>
Consistently demonstrate clear and concise written and verbal communication</li></ul>
Education:<ul><li>
Bachelor's degree/University degree or equivalent experience</li></ul>
-
Job Family Group:
Risk Management
-
Job Family:
Portfolio Credit Risk Management
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
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.
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 Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Portfolio Intmd Analyst

First Abu Dhabi Bank (FAB)

<div>
 
 
 
 JOB PURPOSE:
 
 
 
 
 The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for a portfolio of Corporate Clients. The role also entails compliance with all credit policies and guidelines.
 
 
 
 
 
 
 
 KEY ACCOUNTABILITIES:
 
 
 
 
 
 
 
 
 Generic Accountability
 
 
 <ul>
 <li>
 Guide a team of analyst to ensure robust credit analysis is being conducted and appropriate approvals are obtained within the bank in timely fashion.
 </li>
 <li>
 To complete due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensures that emerging risk factors are identified which are addressed by the Term Sheets developed by Product team.
 </li>
 <li>
 Provide initial feedback at GLM stage and ensure that appropriate Risk Acceptance Criteria and CIB GCP guidelines are followed as part of GLM approval process.
 </li>
 <li>
 Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
 </li>
 <li>
 Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.
 </li>
 <li>
 Participate in (large, complex) client relationships through client visits / conference calls as part of transaction initiation and monitoring
 </li>
 <li>
 Guides Corporate &amp; Investment Banking Departments /Global Banking- Corporate Finance with different ways to optimum utilization of credit facilities by the corporate customers without compromise on credit quality.
 </li>
 <li>
 Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
 </li>
 <li>
 Ensure accuracy of data being presented to various stakeholders including senior management
 </li>
 <li>
 Obtain accurate and current information and update the Risk systems (Risk rating models / TOAs, etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
 </li>
 <li>
 Recommend amendments to the Bank&rsquo;s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank&rsquo;s risk strategy &amp; policy
 </li>
 </ul>
 
 
 
 
 
 Job Specific Accountabilities
 
 
 <ul>
 <li>
 Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to Credit Committee for prospective and existing clients under assigned portfolio
 </li>
 <li>
 Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
 </li>
 <li>
 Ensure credit processing &amp; approval turnaround times as per agreed SLAs with CIB.
 </li>
 <li>
 Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
 </li>
 <li>
 Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
 </li>
 <li>
 Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
 </li>
 <li>
 Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
 </li>
 </ul>
 
 
 
 
 
 Specific Accountability
 
 
 <ul>
 <li>
 To ensure that the quality of the portfolio allocated remains healthy.
 </li>
 </ul>
 
 
 
 
 
 Minimum Qualification
 
 
 <ul>
 <li>
 Must have Bachelor&rsquo;s degree.
 </li>
 <li>
 Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree or diploma.
 </li>
 </ul>
 
 
 
 
 
 Minimum Experience
 
 
 
 5 years&rsquo; relevant experience in the banking sector with at least 3years in similar positions of progressively increasing managerial responsibilities in the Credit function.
 
</div>

Assistant Vice President (AVP) – Credit Management

Arab Banking Corporation

Principal Responsibilities, Accountabilities and Deliverables of Role:
1. Credit portfolio management 65% The Credit Risk supports Head of Credit Risk who supports the first line of defense across a number of geographies either as a principle or secondary point of contact. The GCA is to work across all types of transaction including sovereign, corporate and financial institutions. The GCA is to provide support in terms of interpretation of the Group Credit Policy its related Standards and Procedures. The GCA is available for consultation on Credit Application Forms (CAF) as to whether the CAF is adequate in terms of its explanation and mitigation of the risks associated with the transaction under discussion. On submission of the CAF the GCA ensures that it is in compliance with group policies and requirements. Comments on any deficiencies and indicates a level of support, be it positive, negative or conditional for the submission. On a sample basis (minimum of 10%) the GCA ensures that spreadsheets have been compiled correctly, covenants have been complied with and any additional conditionality delivered. The GCA is to ensure that any documentation outstanding on the OOO (Out of Order) report is covered in the CAF and reasons provided to mitigate any potential risk. The GCA is to monitor developments in the countries he/she covers. There is an expectation of travel to the countries on an annual basis with such visits informing the annual review of the bank s exposure in that country. The GCA is to monitor the completeness of the annual reviews from a country and ensure that they are delivered on a timely basis. From time to time the GCA will be required to assisst in delivery of reports on sectors within a country or assist in the compilation of a wider report across many jurisdictions. As part of the portfolio management process the GCA must identify any relationships or sectors that could result in elevated credit risk or non-repayment of the borrower s obligations. All such names must appear on the report Accounts Requiring Close Monitoring before being downgraded to a Risk Rating 8.
2. Risk related project management 15% Risk related projects can comprise a number of items from a single item; such as a report amendment adding to the efficiency or effectiveness of the department, to providing input on a multi-million dollar transformational project. In either instance the GCA is to provide assistance and support as part of the general day to day business. The GCA is be expected to record his contribution to projects for evaluation as part of the career management process.
3. Development 20% GCA must ensure that they are receiving appropriate training from either internal or external sources. The GCA must attend at least one course per annum from an external provider and take regular internal seminars or presentations from subject matter experts.
Job Context:
The job holder is expected: Recognise the need to balance risk-prudence with actual market-practices/pressures and support growth of a sustainable well managed risk portfolio. Understand risk strategy and appetite documents. Monitor and analyse bank s corporate credit portfolio and names. Demonstrate compliance with the bank s policies, standards and procedures. Awareness of regulatory requirements in DIFC, Bahrain and beyond.
Job Requirements:
Knowlegde: Good knowledge of basic credit product, risks and key aspects of legal documentation. Good knowledge of corporate and bank balance sheet analysis techniques
Education/Certifications: Degree with an element of finance or equivalent, Institute of Bankers associate or equivalent
Experience: Seasoned corporate credit professional (who understands financial as well as other key credit matters) with significant experience (10 years +) of UAE/ GCC corporates, market knowledge, UAE/GCC credit contacts along with good stakeholder management skills.
Personal Attributes: Work as team member, good communication and presentation skills, accountability, transparent and open

Credit Risk - DIFC

Commercial Bank

<div>
 
 About Commercial Bank Of Qatar
 
 
 
 Commercial Bank, founded in 1975 and headquartered in Doha, plays a vital role in Qatar&rsquo;s economic development by offering a range of personal, business, government, international and investment services. We believe in empowering our employees, providing them with opportunities for growth and professional development.
 
 
 By Joining us, you&rsquo;ll be part of a workplace culture that fosters innovation, supports work-life balance, and encourages you to reach your full potential.
 
 
 Join us in shaping the future of banking!
 
 
 
 Job Summary
 
 
 
 <ul>
 <li>
 To oversee, review and provide quality recommendations on credit applications for local corporate and SME clients and approve under the delegated credit authority to ensure adherence to defined credit risk appetite and regulatory requirements.
 </li>
 <li>
 To lead and manage and monitor development and implementation of credit policies and enhancement of credit support system (MRA, CARE, OOT, CBR, KAPITI etc.) to ensure compliance with the bank's credit risk management policies, standards and practices.
 
 
 </li>
 </ul>
 
 
 Key Accountabilities
 
 
 
 
 
 Credit Process Management
 
 
 
 <ul>
 <li>
 Promote a risk management culture that provides good analysis, sound judgment, flexibility and a correct &ldquo;risk/reward&rdquo; balance
 </li>
 <li>
 Lead the credit review with high quality of analysis of credit applications for international, local corporate &amp; SME clients and make sensible recommendations with practical, risk mitigating and acceptable conditions / facility structuring to approval authorities to facilitate adherence to defined risk levels and approve under the delegated credit authority.
 </li>
 <li>
 Undertake qualitative and effectiveness one-to-one discussions with the Business and reach to an acceptable solution (independently of CCO) which addresses the risk concerns as well as of Business.
 </li>
 <li>
 Checking that spreading and financial analysis is correctly carried out in the MRA and carry out appropriate re-classifications wherever necessary and ensure that MRA grading of account is appropriately done and reflects the underlying risk.
 </li>
 <li>
 Based on analysis of credit requests and review of proposed facilities structure, validate customer ratings / grade, RAROC, expected loss and LGD calculation and estimate risk change to facilitate management decision making.
 </li>
 <li>
 Align existing credit processes quickly and responsively to meet dynamic strategic/organisational objectives within acceptable risk objectives.
 </li>
 <li>
 With respect to performing grade portfolio, continually assess business, financial and economic risks, identify deteriorating risk profiles together with Chief Credit Officer and ensuring that corporate credit portfolio quality is a maintained or improved, with minimal slippages into NPL category and therefore minimizing loan provisions; approve upgrades/downgrades in customer credit ratings in the process.
 </li>
 <li>
 Contribute in defining risk appetite (qualitative and quantitative) within the CBQ&rsquo;s framework for the bank to meet the strategic objectives.
 </li>
 <li>
 Work closely with portfolio management to evaluate portfolio based on various parameters including but not limited to concentration risks, ECL and within the defined boundaries, steering course accordingly; Participate in industry peer analysis and suggest alternative new methods /models for industry risk evaluation.
 </li>
 <li>
 Co-lead with other senior Risk/Credit staff in the development, performance monitoring and evaluation of all appropriate corporate credit policy.
 </li>
 <li>
 Implement credit policies, profitability models, scoring models and enhancements of credit support systems.
 </li>
 <li>
 Participate in other credit risk related projects, including those to Basel II Advanced IRB approach.
 </li>
 <li>
 Exercise a substantial personal lending approval authority and where outside that authority, formulate recommendations to higher authorities.
 </li>
 <li>
 Act as a Secretary to the Bank&rsquo;s Management Credit Committee.
 
 
 </li>
 </ul>
 
 Other Accountabilities
 
 
 
 
 Leadership &amp; Supervision of Subordinates
 
 
 
 <ul>
 <li>
 Organise and supervise the activities and work of subordinates to ensure that all work within a specific area of the activity is carried out in an efficient manner which is consistent with operating procedures and policy.
 </li>
 <li>
 Provide on-the-job training and constructive feedback to subordinates to support their overall development.
 
 
 </li>
 </ul>
 
 Business Development &amp; Customer Relations
 
 
 
 <ul>
 <li>
 Manage the corporate credit including credit assessment, approval and monitoring of obligor level credit proposals. Ensure that credits approved are fundamentally strong based on sound appraisals standards followed by robust monitoring to avoid foreseeable slippages in credit quality.
 </li>
 <li>
 Set and manage credit evaluation standards in line with the regulatory requirements as well as the internal credit policy and risk appetite requirements, within defined turnaround time.
 
 
 </li>
 </ul>
 
 Controlling &amp; Monitoring
 
 
 
 <ul>
 <li>
 Keep track of the borrowers&rsquo; compliance with credit terms and in conjunction with Business, CMCU, FPMU / RERU and Operation to identify early signs of irregularity that may affect credit decisions (account activity type and transaction volume, credit utilization, etc.) while promptly highlighting any major deviations to superior for corrective action.
 
 
 </li>
 </ul>
 
 Change Management &amp; Continuous Improvement
 
 
 
 <ul>
 <li>
 Motivate subordinates and contribute to the identification of opportunities for continuous improvement of systems, processes and practices taking into account &lsquo;international leading practice&rsquo;, improvement of business processes, cost reduction and productivity improvement.
 
 
 </li>
 </ul>
 
 Policies, Systems, Processes &amp; Procedures
 
 
 
 <ul>
 <li>
 Recommend improvements to departmental procedure and direct the implementation of instructions and controls covering a specific area of activity so that all relevant procedural/legislative requirements are fulfilled while delivering a quality, cost-effective service.
 
 
 </li>
 </ul>
 
 Quality, Health, Safety, &amp; Environment
 
 
 
 <ul>
 <li>
 Ensure compliance to all relevant quality, health, safety and environmental management procedures and controls within a defined area of activity to guarantee employee safety, compliance, delivery of high quality products/service and a responsible environmental attitude.
 
 
 </li>
 </ul>
 
 MIS and Reports
 
 
 
 <ul>
 <li>
 Prepare departmental MIS statements and reports timely and accurately to meet CBQ and department requirements, policies and standards.
 
 
 </li>
 </ul>
 
 Qualifications, Experience
 
 
 
 
 Required Qualifications:
 
 
 
 <ul>
 <li>
 Bachelor degree in business-related major or equivalent AND
 </li>
 <li>
 A globally recognised post-graduate degree or equivalent professional qualifications from a globally recognised institute in area of finance, economics and accounting (e.g. CFA, CA, CIMA, MBA) + Credit or Risk qualification from Banking bodies or FRM or PRM is preferable.
 
 
 </li>
 </ul>
 
 Required Experience
 
 
 
 <ul>
 <li>
 12 &ndash; 15 years of relevant experience in corporate banking and corporate credit functions including at least 5 years in positions of progressively increasing managerial responsibilities.
 </li>
 <li>
 Minimum 5 years of local / GCC experience would be a big advantage indicating deep understanding of Gulf based corporate business clients, economic sectors, macro-economic factors and related country risks.
 </li>
 <li>
 Extensive experience in assessing contract finance, real estate finance, corporate banking (big, mid and SME) as well as Factoring / Trade Finance proposals;
 
 
 </li>
 </ul>
 
 Why Commercial Bank
 
 
 
 <ul>
 <li>
 Best Performing Bank in Qatar in The Banker&rsquo;s prestigious Top 1000 World Banks Rankings 2025.
 </li>
 <li>
 Best Digital Bank in the Middle East 2024 by World Finance and Best Mobile Banking App in the Middle East 2024 by Global Finance.
 </li>
 <li>
 An Innovation-Driven, Digital-First Environment where employees work with the latest tools and technologies to redefine banking
 </li>
 <li>
 Opportunities for Global Partnerships &amp; International Exposure, connecting employees with global networks and perspectives.
 </li>
 <li>
 A focus on Employee Well-being &amp; Work-Life Balance, ensuring a healthy and supportive environment for all team members
 </li>
 <li>
 Competitive Compensation &amp; Benefits that ensure our employees are rewarded for their dedication and performance
 </li>
 <li>
 A strong Commitment to Diversity, Equity &amp; Inclusion, fostering a culture that values every individual&rsquo;s unique perspective
 
 
 </li>
 </ul>
 At Commercial Bank, we don&rsquo;t just offer careers, We shape futures by pioneering
 
 digital transformation
 
 in Qatar&rsquo;s banking sector, blending
 
 digital-first
 
 approach to redefine banking through
 
 innovative
 
 solutions.
 
 
 
 Disclaimer
 
 
 
 We appreciate your interest in joining CBQ! Please note that only selected candidates will be contacted for further steps in the hiring process. This job posting is for informational purposes only, and CBQ reserves the right to modify, withdraw, or close it at any time without notice.
</div>

Senior Credit Manager

Al-Futtaim

<div>Job Requisition ID: 173566

Established in the 1930s as a trading business, Al-Futtaim Group today is one of the most diversified and progressive, privately held regional businesses headquartered in Dubai, United A&rdquo;rab Emirates. Structured into five operating divisions; automotive, financial services, real estate, retail and healthcare; employing more than 35,000 employees across more than 20 countries in the Middle East, Asia and Africa, Al-Futtaim Group partners with over 200 of the world's most admired and innovative brands. Al-Futtaim Group&rsquo;s entrepreneurship and relentless customer focus enables the organisation to continue to grow and expand; responding to the changing needs of our customers within the societies in which we operate.

By upholding our values of respect, excellence, collaboration and integrity; Al-Futtaim Group continues to enrich the lives and aspirations of our customers each and every day. 

Overview Of The Role: 
<ul>
<li>The Head of Credit is responsible for leading the Company's end-to-end credit risk management, underwriting, and portfolio monitoring functions. The role ensures that all credit activities are conducted within the approved risk appetite, aligned with CBUAE regulations, internal governance policies, and the Group's risk management standards. The Head of Credit will oversee credit strategy and execution across various lending products while supporting the Hertz operating lease business through tailored credit structures and asset-risk assessment. Critical to this role is balancing risk and growth objectives, ensuring high-quality portfolio performance, regulatory compliance, and prudent decision-making that enables sustainable business expansion.</li></ul> 
 
What You Will Do:
<ul>
<li>Develop and maintain the Company&rsquo;s Credit Risk Management Framework and Credit Policy in line with CBUAE Finance Companies Regulations, Corporate Governance Standards, and IFRS 9/ECL requirements.</li>
<li>Define risk appetite, product-specific credit criteria, and approval authority limits; obtain Board and CBUAE approvals as required.</li>
<li>Chair or participate in Credit Committee meetings and ensure sound underwriting decisions.</li>
<li>Oversee consumer and corporate credit underwriting to ensure consistent application of risk standards across all products including personal loans, credit cards, auto finance, and SME lending.</li>
<li>Monitor portfolio performance, delinquency trends, and concentration risks; recommend proactive risk mitigation actions.</li>
<li>Ensure full compliance with CBUAE Finance Companies Regulations, Consumer Protection Standards, AML/CFT requirements, and related circulars or notices.</li>
<li>Prepare and present periodic credit risk reports to the CEO, Board Risk Committee, and regulators.</li>
<li>Liaise with CBUAE examiners during inspections and respond to regulatory queries.</li>
<li>Establish end-to-end credit approval processes, including KYC/AML checks, documentation standards, and limit management.</li>
<li>Ensure adequate segregation of duties between credit origination, underwriting, and collections/recovery.</li>
<li>Build, lead, and mentor a high-performing Credit Department covering underwriting, credit risk analytics, and portfolio management.</li>
<li>Drive continuous training on CBUAE regulations, risk assessment, and market best practices.</li></ul> 
 
Required Skills To Be Successful: 
<ul>
<li>Candidates must come from the banking or financial services sector within the UAE market, with a strong understanding of local regulations and practices</li>
<li>Proven experience engaging directly with the UAE Central Bank and developing compliant credit policies aligned with regulatory standards.</li>
<li>Demonstrated ability to design, implement, and scale credit systems across multiple lending and leasing products.</li>
<li>Hands-on expertise in credit initiation and underwriting, ensuring sound credit assessment and portfolio quality.</li>
<li>Track record of building and leading credit teams in a high-growth or transformation environment.</li>
<li>Strong integrity, independence, and objectivity in decision-making, particularly under commercial or business pressure.</li>
<li>Experience driving credit digitalization and automation initiatives within a regulated financial institution.</li></ul> 
 
What Qualifies You For The Role: 
<ul>
<li>Bachelor&rsquo;s degree in Finance, Banking, Economics, or a related field required; Master&rsquo;s preferred.</li>
<li>Minimum 10-15 years of progressive credit risk/underwriting experience in the UAE banking or finance sector, with at least 5 years in a senior leadership role.</li>
<li>Proven track record in consumer and corporate credit risk management, portfolio analytics, and collections strategy.</li>
<li>Strong knowledge of CBUAE regulations, Basel/Risk Management standards, IFRS 9, and UAE market practices.</li>
<li>Experience in digital lending, credit scoring models, and automated decision systems is desirable.</li></ul> 
We&rsquo;re here to provide excellent service but a little help from you can ensure a five-star candidate experience from start to finish. 

Before you click &ldquo;apply&rdquo;: Please read the job description carefully to ensure you can confidently demonstrate why this opportunity is right for you and take the time to put together a well-crafted and personalised CV to further boost your visibility. Our global Talent Acquisition team members are all assigned to specific businesses to ensure that we make the best matches between talent and opportunities. We not only consider the requisite compatibility of skills and behaviours, but also how candidates align with our Values of Respect, Integrity, Collaboration, and Excellence. 

As part of our candidate experience promise, we also want to make ourselves available to you throughout the application process. We make every effort to review and respond to every application.</div>

Head of Credit and Analytics

United States Citigroup

The role will provide analytical and project support to Credit Risk team, help produce internal reporting, and contribute to key presentations and regulatory deliverables. The ideal candidate will have understanding of risk, experience in data analytics and management reporting.
What you ll do
<ul>
 <li>Assess the effectiveness of Citi s credit risk management practices and support identification and mitigation of credit risk across Citi s retail portfolios</li>
 <li>Analyse credit risks by utilizing reports, scorecards, risk systems, and expert judgment</li>
 <li>Provide support for loss forecasting, stress testing and management reporting.</li>
 <li>Evaluate moderately complex and variable credit issues with significant business impact</li>
 <li>Support the preparation of Credit Portfolio Scorecards and trend analysis reports</li>
 <li>Prepare internal presentations for management and regulatory stakeholders</li>
</ul>

Credit Portfolio Analyst

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