credit risk officer

Citi

<div>
 Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
 
 
 Underwriting (UW) is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi.
 
 
 Underwriting Analysist and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio &amp; Industry Reviews and Stress Testing.
 
 
 
 In this role, you&rsquo;re expected to
 
 
 :
 
 
 
 <ul>
 <li>
 Assess the credit and financial strength of Citi&rsquo;s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
 </li>
 <li>
 Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.
 </li>
 <li>
 Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.
 </li>
 <li>
 Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.
 
 
 </li>
 </ul>
 
 As a successful candidate, you&rsquo;d ideally have the following skills and exposure:
 
 
 
 <ul>
 <li>
 3-6 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
 </li>
 <li>
 Strong proficiency in English (written and verbal). Knowledge of French / Arabic will be a plus.
 </li>
 <li>
 Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.
 </li>
 <li>
 Background on both Corporate and Financial Institutions&rsquo; risk analysis will be a plus.
 </li>
 <li>
 Advanced industry research capabilities, including risk and key drivers.
 </li>
 <li>
 Ability to identify potential risk issues that need escalation and escalates them promptly.
 
 
 </li>
 </ul>
 
 Education:
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s/University degree or equivalent experience
 
 
 </li>
 </ul>
 This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
 
 
 ------------------------------------------------------
 
 
 
 Job Family Group:
 
 
 
 Risk Management
 
 
 ------------------------------------------------------
 
 
 
 Job Family:
 
 
 
 Credit Risk
 
 
 ------------------------------------------------------
 
 
 
 Time Type:
 
 
 
 Full time
 
 
 ------------------------------------------------------
 
 
 
 Most Relevant Skills
 
 
 
 Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, 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>

Underwriting Credit Risk Analyst – Officer

<div>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
Underwriting (UW) is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi. 
Underwriting Analysist and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio &amp; Industry Reviews and Stress Testing. 
In this role, you&rsquo;re expected to:<ul><li>
Assess the credit and financial strength of Citi&rsquo;s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.</li><li>
Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.</li><li>
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.</li><li>
Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.</li></ul>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:<ul><li>
0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>
Strong proficiency in English (written and verbal). Knowledge of French / Arabic will be a plus.</li><li>
Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.</li><li>
Background on both Corporate and Financial Institutions&rsquo; risk analysis will be a plus.</li><li>
Advanced industry research capabilities, including risk and key drivers.</li><li>
Ability to identify potential risk issues that need escalation and escalates them promptly.</li></ul> 
Education:<ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul> 
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, 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>

Underwriting Credit Risk Analyst - Officer

<div>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
Underwriting (UW) is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi.
Underwriting Analysist and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio &amp; Industry Reviews and Stress Testing.
In this role, you&rsquo;re expected to:<ul><li>
Assess the credit and financial strength of Citi&rsquo;s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.</li><li>
Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.</li><li>
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.</li><li>
Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.</li></ul>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:<ul><li>
3-6 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>
Strong proficiency in English (written and verbal). Knowledge of French / Arabic will be a plus.</li><li>
Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.</li><li>
Background on both Corporate and Financial Institutions&rsquo; risk analysis will be a plus.</li><li>
Advanced industry research capabilities, including risk and key drivers.</li><li>
Ability to identify potential risk issues that need escalation and escalates them promptly.</li></ul> 
Education:<ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul> 
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, 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>

Andrews Meat

Select how often (in days) to receive an alert: Credit Officer Plant/Site: D.R. JohnstonDate Posted: 31 Oct 2025About the Role: Join JBS Australia's D.R. Johnston team as a Credit Officer, where you'll play a key role in managing a high-volume credit control environment. This position is critical to ensuring compliance, mitigating risk, and driving continuous improvement across our credit operations.Key Responsibilities:<ul><li>Administer and enforce Group Credit Control policies across teams and departments.</li><li>Analyse and manage the DRJ credit portfolio to ensure optimal performance.</li><li>Conduct regular reviews of customer account terms, credit limits, and payment securities.</li><li>Initiate legal action, collection processes, and manage doubtful debts.</li><li>Identify and resolve root cause issues impacting credit performance.</li><li>Drive reduction in debtor days through proactive strategies.</li><li>Perform external credit checks using preferred reporting agencies.</li></ul>Preferred Qualifications & Skills:<ul><li>Proven experience in Accounts Receivable and credit assessment.</li><li>Strong collaboration skills, with the ability to support remote teams.</li><li>Excellent written and verbal communication abilities.</li><li>Analytical mindset with sound decision-making and problem-solving skills.</li><li>Exceptional time management and organisational capabilities.</li><li>SAP experience is highly desirable.</li></ul>What's on Offer:<ul><li>Be part of Australia's largest meat manufacturer and producer.</li><li>Enjoy staff discounts on a wide range of meat products.</li><li>Access performance-based bonuses.</li></ul>Ready to Apply? Submit your application via: Location: JBS Australia - D.R. Johnston, Melbourne Contact: Sar Gulati

Credit Officer

Ujjivan Small Finance Bank

<div>
 <ol>
 <li>
 
 POSITION DESCRIPTION
 
 </li>
 </ol>
 
 
 
 
 
 JOB TITLE
 
 
 
 Manager-Credit Risk
 
 
 
 
 
 
 DEPARTMENT
 
 
 
 Risk
 
 
 
 LOCATION
 
 
 
 HO
 
 
 
 
 
 
 SUB-DEPARTMENT
 
 
 
 Credit
 
 
 
 TYPE OF POSITION
 
 
 
 Full-time
 
 
 
 
 <ol>
 <li>
 
 ROLE PURPOSE &amp; OBJECTIVE
 
 </li>
 </ol>
 
 
 
 <ul>
 <li>
 
 To ensure implementation of the credit risk management policy approved by the Board.
 
 </li>
 <li>
 
 To formulate, review and implementation of risk appetite
 
 </li>
 <li>
 
 Monitor credit risks on an SFB wide basis and ensure compliance with the Board approved risk parameters/prudential limits and monitor risk concentrations.
 
 </li>
 <li>
 
 Review status of portfolio management, loan review mechanism, risk monitoring and evaluation, regulatory/legal compliance, adequacy of provision, risk concentrations, industry reviews, and suggest corrective measures and activity reviews for credit risk management.
 
 </li>
 <li>
 
 Review the performance and effectiveness of the credit scorecards, the need for any adjustments, and placing recommendations before the CRO
 
 </li>
 <li>
 
 Review and approve the use of credit scorecards for business and risk management purposes and placing recommendations before the CRO
 
 </li>
 </ul>
 
 
 
 <ol>
 <li>
 
 KEY DUTIES &amp; RESPONSIBILITIES OF THE ROLE
 
 </li>
 </ol>
 
 
 
 
 
 
 
 
 Business/ Financials
 
 
 
 
 
 Credit Risk Unit
 
 
 
 <ul>
 <li>
 
 To develop credit risk appetite/limits statements with support from Business units
 
 </li>
 <li>
 
 To monitor the credit risk parameters and credit exposure / concentration limits set by the SFB&rsquo;s Board of Directors / Risk Management Committee of the Board/ Regulator
 
 </li>
 <li>
 
 To lay down credit risk identification systems, monitor quality of portfolio, identify problem credits and undertake asset quality reviews with support from Business units.
 
 </li>
 <li>
 
 Implementation of credit scorecards with support from Business units.
 
 </li>
 <li>
 
 To analyze early warnings signals in the MSE portfolio, for identification of weak exposures, identify remedial measures in co-ordination with Business units and monitor the actions taken.
 
 </li>
 <li>
 
 Responsible for execution of portfolio risk management activities including concentration risk monitoring and stress testing.
 
 </li>
 <li>
 
 Responsible for ensuring stringent monitoring and management of specifically assigned problem accounts either independently or in co-ordination with the Business units.
 
 </li>
 <li>
 
 Responsible for executing the NPA management strategies in co-ordination with Business units and with support from the Legal department
 
 </li>
 <li>
 
 Monitor portfolio performance on a quarterly basis or as and when directed by the Board or Committee or Regulator and identify associated credit risks
 
 </li>
 <li>
 
 Study the impact of various stress scenarios on different portfolios to complement the regular risk measurement methods
 
 </li>
 <li>
 
 Classification of SMA and watch-list accounts in co-ordination with Business units
 
 </li>
 <li>
 
 Implementation of Internal Audit recommendations specific to the credit risk unit
 
 </li>
 </ul>
 
 
 
 
 
 
 Business Risk unit
 
 
 
 <ul>
 <li>
 
 Develop a comprehensive risk management framework for assessing, identifying, monitoring and reducing pertinent business risks that could interfere with the bank's objectives and goals
 
 </li>
 <li>
 
 Implement the Credit risk management frameworks under the guidance of CRCO and policies for the Bank
 
 </li>
 <li>
 
 Regular review of overall credit portfolio to assess risk quality and recommend risk mitigation measures, if warranted.
 
 </li>
 <li>
 
 Review the management of market and liquidity risks and provide inputs to asset liability management committee and recommend suitable risk management measures as required
 
 </li>
 <li>
 
 Assess the insurance requirements of the bank and arrange appropriate cover for transfer of risks as assessed as appropriate.
 
 </li>
 <li>
 
 Assess the security environment and take necessary steps to protect the interests of all stakeholders across both Physical and Information Technology dimensions.
 
 </li>
 </ul>
 
 
 
 
 
 Internal Process
 
 
 <ul>
 <li>
 Regular review of overall credit portfolio to assess risk quality and recommend risk mitigation measures, if warranted.
 </li>
 <li>
 Review the management of market and liquidity risks and provide inputs to asset liability management committee and recommend suitable risk management measures as required
 </li>
 <li>
 Develop the fraud risk management framework; periodically monitor fraud risk cases and recommend risk mitigation measures, as required in coordination with the CVO
 </li>
 <li>
 Participate in scheduled meetings of Risk management Committee (for credit risk, operation risk and market risk), Investment Committee and Asset Liability Management Committee
 </li>
 </ul>
 
 
 
 
 
 Learning &amp; Innovation
 
 
 <ul>
 <li>
 Provide the risk and compliance staff with sufficient resources, management support and the access required to prevent / detect compliance issues / breaches
 </li>
 <li>
 Maintain current knowledge of laws and regulations, keeping abreast of the most recent developments in regulations, notifications and circulars and disseminate the information regarding new regulatory developments
 </li>
 <li>
 Develop, coordinate and impart a multifaceted educational and training program that focuses on the elements of the compliance program, and seeks to ensure awareness creation
 </li>
 <li>
 Maintain a knowledge base of compliance failures and implications, provide advice on preventive actions to prevent such failures
 </li>
 <li>
 Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self
 </li>
 </ul>
 
 
 
 
 
 
 
 
 
 <ol>
 <li>
 
 MINIMUM REQUIREMENTS OF KNOWLEDGE &amp; SKILLS
 
 </li>
 </ol>
 
 
 
 
 
 
 
 
 
 
 
 Educational
 
 
 
 
 Qualifications
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in commerce/MBA in finance
 </li>
 <li>
 Additional qualification in law, accountancy such as CA/CS/LLB.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Experience
 
 
 <ul>
 <li>
 At least 10 years of experience in banking business
 </li>
 <li>
 At least 3+ years of experience in compliance &amp; 3+ years of hands-on experience in risk /audit &amp; inspection functions.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Certifications
 
 
 <ul>
 <li>
 PO qualified
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Functional Skills
 
 
 <ul>
 <li>
 Knowledge of &ndash; credit risk, operational risk, market risk
 </li>
 <li>
 Knowledge of asset liability management
 </li>
 <li>
 Knowledge RBI polices/guideline relevant to SFB &amp; banking
 </li>
 <li>
 Good understanding of policy formulation process
 </li>
 <li>
 Adept at influencing policy changes for commercial advantage
 </li>
 <li>
 High operational knowledge and experience in government processes and compliances both at union and state levels
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Behavioral Skills
 
 
 <ul>
 <li>
 Interpersonal communications
 </li>
 <li>
 Stakeholder management
 </li>
 <li>
 Project management skills
 </li>
 <li>
 Problem solving &amp; critical thinking
 </li>
 <li>
 Planning &amp; organizing
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Competencies Required
 
 
 <ul>
 <li>
 Building Relationship
 </li>
 <li>
 Driving Change
 </li>
 <li>
 Planning &amp; Organizing
 </li>
 </ul>
 
 
 
 
 
 
 
 
 
 
 
 
 <ol>
 <li>
 
 KEY INTERACTIONS
 
 </li>
 </ol>
 
 
 
 
 
 INTERNAL
 
 
 
 
 EXTERNAL
 
 
 
 Legal Manager
 
 
 Regulatory bodies (including RBI)
 
 
 Internal Audit Dept.
 
 
 Risk rating agencies
 
 
 All functional heads
 
 
 Chief Compliance Officers or Chief Risk Officers of other banks
 
 
 CFO
 
 
 
 
 
 Treasury team (FO &amp; BO)
 
 
 
</div>

Credit Risk Manager

البنك التجاري الدولي

<div></div><div><div>Description<div></div> 
Job Purpose:

To assess the current applied risk models outputs, perform quantitative analysis and coordinate with key functions including vendors, risk management, respective business and information technology that would assist in developing and enhancing the quantitative risk models.
Accountabilities:

1. Perform Risk Models data quality and accuracy checks to ensure model&rsquo;s development accuracy and completeness by generating quality audit reports to be reviewed by the senior officer.

2. Validate Risk Scorecards Modeller processes (Internal / External Vendor) for Scorecards development, model selection and implementation to ensure Scorecards Models Development accuracy
3. Maintain the technical documentation for applied methodologies and applications, including project plans, model descriptions and data analysis
4. Participate in the testing and rollout to production of the automation projects to ensure proper Scorecard implementation
5. Provide the Required analyses on data/Model&rsquo;s output to Risk stakeholders to be utilized for Risk analyses, portfolio management, Risk reporting and Collection strategies

6. Perform a frequent Risk Scorecard Models data quality and accuracy checks to ensure accuracy of monitoring reports generation as business as usual to enhance / optimize credit risk models

7. Utilize the Statistical Analysis System (SAS), SQL, and MS Excel tools to perform statistical analysis, assist the development of statistical models, analyse existing model results and Scorecard Models simulation and parallel runs.

8. Develop the process documentation in Bank SOP ensure compliance with bank policies

9. Create testing scenarios and generate reports for the decision engine that support score card implementation/changes<div> 
</div></div><div>
Qualifications<div></div> 
Qualifications &amp; Experience:

&sect; Bachelor degree of Commerce, Business Administration, Economics, Accounting or their equivalent

&sect; Minimum of 3 to 5 years of banking/modelling experience

&sect; Technical experience in information technology/ systems or related field with 2 - 3 years of hands-on experience with data warehouses and business intelligence &amp; reporting tools such as Business Objects and SAS and possess technical and analytical abilities.
&sect; Experience with bank&rsquo;s consumer products

&sect; Experience with scoring models

&sect; Technical experience including proficiency in SQL coding across standard relational environments (e.g. Oracle, MS &amp; Access)

&sect; SAS / BI experience

Skills:

&sect; Excellent command of English and Arabic Languages

&sect; Problem solving skills

&sect; Excellent interpersonal skills

&sect; Analytical skills<div> 
</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>

CONSUMER RISK SCORING & MODELLING OFFICER

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

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CONSUMER RISK SCORING & MODELLING OFFICER

Credit Risk - DIFC