loan and credit manager

Raffles

<div><b>Company Description</b><p><b><br>
Raffles &amp; Fairmont Red Sea</b>, positioned in the Kingdom&rsquo;s groundbreaking Red Sea Project, will provide visitors access to a nature-focused resort. With 361 rooms, eleven distinct dining concepts, including overwater restaurants with views of the Red Sea and the mangroves, and a spa. The resort will be situated next to an 18 hole championship golf course, reflecting Fairmont&rsquo;s association as a world class golf destination. It will set new standards in sustainable development, positioned on 200km of untouched coastline, an archipelago of more than 90 unspoiled islands, dormant volcanoes, rich marine habitat, and ancient archaeological sites.</p><b><br>
Job Description</b><p><br>
Raffles The Red Sea is seeking a highly skilled and experienced Credit Manager to join our team in Umluj, Saudi Arabia. As the Credit Manager, you will play a crucial role in managing the hotel's credit operations, ensuring financial stability, and maintaining positive relationships with our esteemed clientele.</p><ul><li>
Develop and implement credit policies and procedures to minimize financial risks</li><li>
Analyze credit applications and assess creditworthiness of corporate clients and travel agencies</li><li>
Manage accounts receivable and oversee debt collection processes</li><li>
Collaborate with sales and finance teams to establish credit limits and terms for clients</li><li>
Monitor and report on credit portfolio performance, identifying trends and potential risks</li><li>
Negotiate payment plans and resolve disputes with delinquent accounts</li><li>
Ensure compliance with local and international financial regulations</li><li>
Prepare regular financial reports and presentations for senior management</li><li>
Implement and maintain credit management software systems</li><li>
Train and supervise credit department staff</li><li>
Stay updated on industry trends and best practices in credit management</li></ul><br>
<b>
Qualifications</b><br>
<ul><li>
Bachelor's degree in Finance, Accounting, or related field</li><li>
Minimum 5 years of experience in credit management, preferably in the hospitality industry</li><li>
Professional certifications such as Certified Credit Professional (CCP) or Certified Credit Executive (CCE) preferred</li><li>
Strong knowledge of financial analysis and credit risk assessment techniques</li><li>
Proficiency in accounting software, Microsoft Office Suite, and CRM systems</li><li>
Experience with international clientele and understanding of global financial practices</li><li>
Familiarity with Saudi Arabian financial laws and regulations</li><li>
Excellent analytical and problem-solving skills</li><li>
Strong leadership and team management abilities</li><li>
Exceptional communication and negotiation skills</li><li>
Ability to work under pressure and meet deadlines in a fast-paced environment</li><li>
Fluency in English; knowledge of Arabic is a plus</li></ul><br>
<b>
Additional Information</b><p><b><br>
What&rsquo;s in it for you...</b></p><ul><li><p>
The opportunity to join Accor, a leading global hospitality group with an exceptional portfolio of luxury brands.</p></li><li><p>
The chance to define the pre-opening operations for two iconic resorts at one of the world&rsquo;s most anticipated new destinations.</p></li><li><p>
Become part of a team dedicated to creating unparalleled luxury hospitality experiences.</p></li><li><p>
A competitive package and excellent opportunities for professional growth.</p></li><li><p>
Outstanding discounts across the global Accor and luxury brand network.</p></li></ul></div>

Credit Manager - Raffles The Red Sea

Mashreq

<div>
 Job Purpose
 <br/>
 - Analyze and process credit proposals and applications of MashreqBank&rsquo;s retail Lending Products for approval or escalation to Credit Supervisors within the stipulated TAT.
 <br/>
 - To ensure smooth implementation of the front end automation of credit process solution across all lending products with significant gains in customer experience and productivity.
 <br/>
 - Regulating all approvals within the Credit Policy and Product parameters.
 <br/>
 - Ensuring consistent application of credit policy, quality of underwriting decisions and of documents held as collateral.
 <br/>
 - Responsible for the supervisory credit review function as and when required for RBG Products through implementation of standard operating procedures and policies as per Product Program Guidelines.
 <br/>
 - Responsible as a reliable back up in the absence of team leader/Asst Manager.
 <br/>
 - Responsible in the development of the new staff into the team and also periodically assist in the training of the new staff in the team
 <br/>
 <br/>
 Key Result Areas
 <br/>
 Credit Analysis
 <br/>
 - Analyzing for approval or escalation to higher authority : eligibility as per policy, bank statement, past data check on &lsquo;banks core systems, review through application processing system and create a credit proposal with all details for further checks and approvals
 <br/>
 - Measuring, evaluate and providing suggestion to improve the team&rsquo;s productivity. This will be done by maintaining key performance indicators and daily productivity MIS
 <br/>
 - To undertake various assigned projects to increase the unit productivity and to enhance product and credit policy for retail lending products.
 <br/>
 Exception Identification
 <br/>
 - Exception identification for eligibility, pricing, CPV, information capture on the system and collateral compliance
 <br/>
 - Communicating major deficiencies and policy violations to Team Leader/Asst Manager for follow-up.
 <br/>
 - Categorizing cases as &lsquo;Declined&rsquo;, &lsquo;Rejected&rsquo;, or &lsquo;for Deviation Approval&rsquo; if above checks fail.
 <br/>
 - To ensure daily productivity targets are met.
 <br/>
 - To ensure quality service to internal / external customers by adhering to the committed turnaround time.
 <br/>
 Training &amp; Testing
 <br/>
 - To be actively involved in the process of training and testing implemented by the quality unit.
 <br/>
 - To help in the on job training of the new staff in the team
 <br/>
 - To be a key team player and should at all times keep the motivation levels up within the team
 <br/>
 Credit Policy / Product Manual &amp; Operational Issues
 <br/>
 - Identifying anomalies in Credit Policy and Product Manual.
 <br/>
 - Recommending additions and modifications to Credit Policy and Product Manual.
 <br/>
 - Recommending improvements in operational procedures and risk areas from time to time.
 <br/>
 <br/>
 Knowledge, Skills and Experience
 <br/>
 - Graduate with 5 years work experience in Credit Management environment.
 <br/>
 - Excellent analytical skills.
 <br/>
 - Sound interpersonal skills
 <br/>
 - Ability to problem solving and work independently.
 <br/>
 - Should be customer focused and achievement oriented.
</div>


Assistant Manager- Credit Initiation & Compliance (Mashreq Global Network)

United Bankers' Bank

<div><p>As a Commercial Loan Portfolio Manager at United Bankers' Bank, your analytical thinking, passion for finance, and talent for relationship building will support our dynamic lending team and play a critical role in ensuring the health of our loan portfolio, supervising the renewal cycle, providing strategic recommendations on risk ratings, and driving the success and growth within the UBB lending department</p><br>
<p></p>
<p><b>
The ideal candidate will be located in the Twin Cities and will have the option to work a hybrid schedule in the office 3 days per week, Tuesday &ndash; Thursday, after the initial training period.</b></p><br>
<p>
</p><p><b>Essential Responsibilities</b></p>
<ul><li>
Analyzes and underwrites Commercial customers and credit products that include Commercial Real Estate [CRE], Commercial and Industrial [C&amp;I] businesses, agriculture, bank holding companies and their subsidiary banks and individuals.</li><li>
Possesses considerable knowledge of Commercial credit policies, credit analysis, procedures and philosophy.</li><li>
Demonstrated financial and risk analysis skills.</li><li>
Has experience in structuring various types of Commercial credit and evaluating collateral with respect to value, marketability and control.</li><li>
Provides ongoing administration of an assigned loan portfolio including review of the financial and business status of the borrower and recommending risk rating changes when appropriate.</li><li>
Supervises the loan renewal cycle and works with the lender to facilitate credit approval and loan documentation as needed.
</li><li>Conducts annual reviews as part of ongoing portfolio monitoring.</li><li>
Resolves credit problems, delinquent payment issues and other related affairs.</li><li>
Monitors loan covenants to ensure compliance and follow-ups on any covenant violations.</li><li>
Develops strong relationships and ensures prompt communication with client banks and borrowers via written or verbal correspondence.
</li><li>Sends and tracks correspondence and follows up on loan requests in a timely manner.</li><li>
Verifies that loan bookings directly correlate with the terms of the approval.</li><li>
Assists Credit Administration management in preparing reports on loan portfolio metrics.
</li></ul><p><b>Knowledge, Skills &amp; Abilities
</b></p><ul><li> Bachelor&rsquo;s degree with formal credit training or MBA
</li></ul><ul><li> 5+ years of experience in Commercial underwriting and Credit Administration activities.
</li></ul><ul><li> Previous experience as a Portfolio Manager in a Commercial Banking setting preferred</li></ul>
<ul><li> Excellent verbal and written communication skills</li></ul>
<ul><li> Technical aptitude</li></ul>
<ul><li> Problem solving and presentation skills</li></ul><br>
<p></p>
<p><b>
Benefits</b></p>
<ul><li> Medical, Dental, and Vision</li></ul>
<ul><li> HSA with a generous company contribution</li></ul>
<ul><li> Medical and Dependent Care Flexible Spending Accounts</li></ul>
<ul><li> 401(k) plan with a 3% company contribution, plus up to an additional 1% match -Roth option available</li></ul>
<ul><li> 12 Paid holidays</li></ul>
<p>
To continue to learn more about our superior benefits package and apply for this position, please visit our Careers page at https://www.ubb.com/about-us/careers.</p><br>
<p>
</p><p><b>Pay Range</b></p>
<ul><li> $90,000.00 - $115,000.00 Salary; depending on education, qualifications, experience</li></ul>
<ul><li> Annual bonus target: 8% of annual pay dependent on company and personal performance
</li></ul><p>Headquartered in Richfield, MN and chartered in 1975, United Bankers&rsquo; Bank (UBB) is the nation&rsquo;s first bankers&rsquo; bank. Today, UBB has over $1 billion in assets, and is a trusted correspondent banking partner to over 1,000 community banks from the West Coast to the Great Lakes and South Atlantic. Our &ldquo;<i>First</i> for Your Success&rdquo; motto is a guiding principle that establishes the success of each and every customer and UBB employee as our number one priority.</p><br>
<p>
</p><p>United Bankers&rsquo; Bank is an EEO/AA employer: All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status or any other characteristic protected by law.</p></div>

Commercial Loan Portfolio Manager

Liberty Federal Credit Union

<div><div>Liberty FCU, a full-service credit union, is currently seeking a <b>Mortgage Lending Sales Manager</b> in the Westfield/Zionsville/Fishers/Noblesville/Carmel, IN area. Significant mortgage loan origination and proven leadership/managerial skills are required. This is a producing manager role. If interested, please proceed by clicking Apply.<br>
</div><div></div><div>Duties and responsibilities include but are not limited to the following:
</div><ul><li>Responsible for working with the RVP of Mortgage Sales to effectively support and grow mortgage volume in the area.</li><li>
Recruit and assist in the hiring process to continue to build our team.</li><li>
Mentor, lead, and coach sales team to build referral network and meet sales goals.</li><li>
Be highly engaged with sales team activities, including making joint sales calls when needed, assisting in loan level product structuring, helping individuals develop routines that result in goal achievement, etc.</li><li>
Work with the RVP of Mortgage Sales to forecast monthly/annual production volumes.</li><li>
Develop, recommend for approval, and implement strategy for achieving production goals.</li><li>
Provide assistance in resolving member problems and concerns.</li><li>
Facilitate credit union employee mortgage loans.</li><li>
Continually build new business and member relations by representing and promoting the credit union at external functions while maintaining a positive and professional image.</li><li>
Keep the RVP of Mortgage Sales informed of mortgage origination activities, needs, and issues.</li><li>
Prepare and submit applicable loan reports.</li><li>
Conduct annual performance evaluations for direct reports.</li><li>
Provide exceptional member service.</li></ul><div></div><div><br>
Qualifications:</div><ul><li>
Minimum 5 years of previous mortgage loan origination experience.</li><li>
Minimum 3 years in a leadership role leading a sales team is preferred.</li><li>
Ability to maintain a NMLS license and continuing education is required.</li><li>
Working knowledge of conventional and government loan programs.</li><li>
Experience with LOS, CRM, UW, and other software systems to maximize borrower/member experience.</li><li>
Excellent time management skills, as well as verbal and written communication skills.</li><li>
Must adhere to all company procedures, policies and state/federal laws.</li><li>
Must be able to achieve all aspects of job performance while adhering to the company Mission, Vision and Values.</li><li>
Must have the ability to pass a background check and a pre-employment drug screening.</li></ul><p>
Benefits:</p><ul><li>
Paid Holidays</li><li>
Paid Time Off (Vacation, Sick and Personal Days)</li><li>
Medical, Dental and Vision Insurance</li><li>
401(k) retirement program with matching funds</li><li>
Employer paid Group Term Life Insurance, Short Term and Long Term Disability Insurance</li><li>
Tuition Reimbursement Program</li></ul><p><i>
Liberty FCU is an Equal Opportunity Employer, Minority/Female/Disability/Protected Veteran.</i></p></div><p></p>

Mortgage Sales Manager

First Citizens Bank

<div>Overview:
<div>
The Commercial Portfolio Manager is responsible for managing, servicing, and growing a portfolio of commercial and business banking relationships within the Bay Area. This role supports the ongoing financial performance and credit quality of a mature portfolio through disciplined servicing, risk management, and consultative sales processes.</div><div></div><div><br>
The incumbent proactively identifies client needs, recommends appropriate banking products and solutions, and partners with internal specialists to deliver comprehensive financial strategies. By building trusted, long‑term client relationships aligned with the Bank&rsquo;s core values, the Portfolio Manager delivers meaningful value to clients while driving revenue growth, portfolio retention, and overall relationship profitability.</div>
Responsibilities:
<ul><li>Portfolio Management - Monitors portfolio for completeness of documentation, accuracy of credit grading, and potential exposures. Processes line renewals and new requests as per loan approval servicing requirements. Performs other tasks related to the servicing and management of assigned portfolio.</li><li>
Client Service - Maintains ongoing communication and contact with assigned commercial and business loan clients. Fortifies relationships and monitors client satisfaction. Conducts a needs assessment session at least once a year to identify additional banking or financial needs.</li><li>
Sales - Sells Bank loans and deposits through a variety of sales techniques. Focuses on relationship-bases sales, consulting closely with clients to determine and meet their financial needs. Generates referrals from existing clients and business networks.</li><li>
Collections - Monitors loans for payment status. Works with delinquent clients to collect past due payments.</li></ul>
Qualifications:
<div>
Bachelor's Degree and 8 years of experience in Credit Analysis and Credit Underwriting OR High School Diploma or GED and 12 years of experience in Credit Analysis and Credit Underwriting</div><div></div><div><br>
Preferred Qualifications: credit analysis skills, underwriting, and servicing business and commercial loans</div><div></div><div><br>
The base pay for this position is generally between $150,000 and $190,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.</div><div></div><div><br>
Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.</div></div>

Commercial Portfolio Manager II

Credit Union Manager

<p><b>Credit Union Manager</b> <b>UEWCO Credit Union LLC</b> | Building 78, Entertainment City, Lusail</p><p><b>Role Overview</b> Oversee the strategic and daily operations of our Lusail branch. You will manage the credit portfolio, drive deposit growth, and ensure the highest standards of member service and financial integrity.</p><p><b>Key Duties</b></p><ul><li><b>Operations:</b> Lead branch activities, staff, and member service workflows.</li><li><b>Credit Risk:</b> Manage loan approvals and oversee the institutional risk framework.</li><li><b>Growth:</b> Develop financial products and strategies to expand the member base.</li><li><b>Compliance:</b> Ensure 100% adherence to QCB regulations and internal audits.</li></ul><p><b>Requirements</b></p><ul><li><b>Experience:</b> 10+ years in banking/credit unions with significant leadership seniority.</li><li><b>Education:</b> Degree in Finance, Banking, or Business.</li><li><b>Language:</b> Professional English fluency for reporting and coordination.</li><li><b>Location:</b> Building 78, Entertainment City, Lusail, Qatar.</li></ul><p>Job Type: Full-time</p><p>Pay: QAR38,000.00 per month</p><p>Work Location: In person</p>

Lake Ridge Bank

<div>Description:
<p>
Lake Ridge Bank is in search of a Credit Analyst to join our underwriting team! The Credit Analyst will be responsible for spreading financial statements as required by Lake Ridge Bank loan policy. In addition, this role will analyze and underwrite commercial credits and partner with Underwriters and Business Relationship Managers in making credit decisions.</p><p><b>
Financial Analysis</b></p><ul><li>
Accurately spread &lsquo;raw&rsquo; business and ag financial statements into financial spreading software as collected (includes tax returns, balance sheets, profit &amp; loss statements, aging reports and projections).</li><li>
Verify accuracy and research discrepancies in &lsquo;raw&rsquo; statements.</li><li>
Provide credit analysis and identify trends based on collected financials and spreads on an ongoing basis for existing customers to Business, Commercial &amp; Ag Bankers.</li><li>
Monitor and verify borrowing base certificates and other loan covenants. Report findings to Underwriting Teams.</li><li>
Maintain financial tracking system upon the waiver or change in financial tracking requirements.</li><li>
Monitor and verify ongoing collection efforts.</li><li>
Set up new customers on financial tracking system and set up ticklers for future collection.</li></ul><p><b>
Underwriting and Approval Process</b></p><ul><li>
Underwrite and facilitate new and renewal credits where the aggregate debt is generally at or below $1MM, and other less complex credits as assigned by the Small Business Underwriting Manager.</li><li>
Collaborate with Underwriting Teams acting as a liaison between Business, Commercial &amp; Ag Banker, Commercial Production staff, Credit Risk Department and other internal staff members as necessary</li><li>
Ensure proper documentation of loan file via a loan proposal and post approval due diligence.</li><li>
Work with third party individuals as needed such as evaluation/appraisal orders and environmental due diligence.</li><li>
Full Knowledge of the Small Business Model (SBM) &amp; Small Ag Model (SAM) systems and how they facilitate loans quickly through the overall loan process.</li></ul><p><b>
Adhere to all Bank Security/Compliance Regulations</b></p><ul><li>
Complete all annual bank security and compliance training.</li><li>
Adhere to Bank Security/compliance and policy guidelines for commercial production and/or loan area</li><li>
Maintain confidentiality of customer information at all times.</li><li>
Stay current on all compliance regulations</li></ul>
Requirements:
<ul><li>Associates degree in Finance, Accounting, Business and/or similar field of education and/or three (3) years previous work experience in a lending environment</li><li>
Solid understanding of financial statements including but not limited to tax returns, profit &amp; loss statements, income statements, balance sheets, and other business financials</li><li>
Well-developed interpersonal and communication skills (verbal &amp; written) in order to communicate and relate effectively with customers and associates</li><li>
Good accounting/math skills with the ability to work precisely with numbers and financial calculations</li><li>
Strong attention to detail with the ability to work efficiently &amp; accurately</li><li>
Demonstrated ability in exercising independent judgment</li><li>
Strong organizational skills, including the ability to prioritize and remain calm while working in a fast paced/deadline driven environment</li><li>
Good working knowledge of Microsoft Office Suite, proficient typing/keyboarding skills and the ability and willingness to learn new programs and software</li><li>
Ability to maintain confidential customer information</li><li>
Ability to read, write, understand and speak English clearly</li><li>
Ability to represent the organization in a professional, positive manner</li></ul><p><b>
PREFERRED QUALIFICATIONS:</b></p><ul><li>
Bachelor&rsquo;s degree in Accounting or Finance</li><li>
Previous experience in credit analysis or commercial underwriting within a financial institution</li><li>
Previous work experience in accounting and / or working with business financial statements</li><li>
Previous experience working in a lending environment, preferably in a financial institution setting</li></ul><p>
This position is a full time position with hours of 8am &ndash; 5pm Monday-Friday with the flexibility.</p><p><i>
Lake Ridge Bank values a diverse workforce and is an Affirmative Action/Equal Opportunity Employer.</i></p><p>
Consistent with Lake Ridge Bank&rsquo;s commitment to employ and advance qualified individuals with disabilities, Lake Ridge Bank provides reasonable accommodation to apply for or perform a job. Some examples of reasonable accommodation include alternate methods to apply, providing documents in an alternate format, altering work procedures, specialized equipment or use of an interpreter. If an individual needs reasonable accommodations to apply or perform a job here at Lake Ridge Bank, please contact Human Resources at (608) 849-2700 or email us.</p></div>

Credit Analyst

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