senior credit analyst

Trinity Capital

<div>
 
 The Senior Credit Analyst will support credit underwriting and due diligence for prospective portfolio companies, with a focus on tech lending structures. This role involves analyzing collateral, borrower performance, and cash flow across the tech lending industry, and contributing to credit memos and business cases supporting financing transactions. The ideal candidate will have approximately three years of relevant credit experience and a strong understanding of tech lending metrics and risk drivers. Strong written and verbal communication skills are essential, as the role requires close collaboration with Origination team members and regular presentations to the Investment Committee.
 
 
 
 
 
 Responsibilities
 
 <ul>
 <li>
 Collect and review submitted data from prospective portfolio companies; work with the deal team and borrower management to address any gaps or deficiencies.
 </li>
 <li>
 Evaluate and summarize financial data from prospective client companies; identify key assumptions and trends, and highlight any inconsistencies.
 </li>
 <li>
 Work closely with the deal team on the assessment of new opportunities and clearly communicate recommendations for accept / reject decisions; assist in developing ideas for transaction structure.
 </li>
 <li>
 Research industry drivers and opportunities; assess potential impact of key value drivers on business plan assumptions.
 </li>
 <li>
 Conduct deep-dive analyses of prospective client companies&rsquo; data-tape and asset performance, financial results, forecasts, business plans, intellectual property, collateral, etc.
 </li>
 <li>
 Participate in the due diligence process, including calls with client company&rsquo;s executive management, investors, and customers, as well as on-site management visits when appropriate.
 </li>
 <li>
 Prepare investment committee presentation material and present analysis results to Credit Team peers and Investment Committee in a clear and concise manner
 </li>
 </ul>
 
 
 
 
 Characteristics
 
 <ul>
 <li>
 Analytical mindset
 </li>
 <li>
 Clear and concise written and verbal communication skills
 </li>
 <li>
 The ability to collaborate across functional groups
 </li>
 <li>
 Ability to multitask and maintain a broad perspective along with intense focus
 </li>
 <li>
 Positive attitude and strong work ethic
 </li>
 </ul>
 
 
 
 
 Experience
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in a business discipline, preferably Finance
 </li>
 <li>
 A minimum of three (3) years of industry experience in a relevant role
 </li>
 <li>
 High level of proficiency in Microsoft Excel and financial modeling
 </li>
 <li>
 Proficiency understanding workflows for tech lending.
 </li>
 <li>
 Deep familiarity with financial reports: income statement, balance sheet, and cash flow
 </li>
 <li>
 Familiarity with and general understanding of the various aspects of business operations, e.g., sales, marketing, product development, production, etc.
 </li>
 <li>
 Ability to multi-task and work in a fast-paced environment with firm deadlines
 </li>
 <li>
 Strong and confident communication skills; meticulous attention to detail
 </li>
 </ul>
 
 
 
 
 Preferred Qualifications
 
 <ul>
 <li>
 MBA or MS Finance.
 </li>
 <li>
 Experience within tech lending platforms.
 </li>
 <li>
 Experience interfacing with attorneys and the negotiation of contracts.
 </li>
 <li>
 Familiarity with the terms of venture equity investing and capital structure.
 </li>
 <li>
 Familiarity with the key aspects of equipment leasing transactions.
 </li>
 <li>
 Personal network of entrepreneurs, investment bankers and financial sponsors
 </li>
 <li>
 Experience in distressed financing situations
 </li>
 </ul>
 
 
 
 
 Physical Requirements
 
 <ul>
 <li>
 Ability to sit, stand, talk, utilize a computer, and read computer screens for extended periods of time
 </li>
 <li>
 Maintain consistent, repetitive motion for data entry (typing/clicking)
 </li>
 <li>
 Ability to lift up to 20 lbs.
 </li>
 </ul>
 
 
 
 
 Other
 
 <ul>
 <li>
 Minimal travel expected (approximately &lt;5%)
 </li>
 </ul>
 
 
 
 
 Trinity is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, sexual orientation, gender expression, gender identity, or any other characteristic protected by law.
 
</div>

Senior Credit Analyst

Huntington Bank

<div><h1 class="jobSectionHeader">Description</h1>
Summary:
The Credit Risk Administration Allowance Analytics team has an opening for an Allowance Credit Risk Analyst, Sr.
This role is responsible for ensuring that processes used in the calculation and reporting of the Allowance for Credit Losses (ACL) comply with enterprise and regulatory requirements. The candidate will support Allowance governance routines, maintain process design documents, coordinate general ledger entries, and assist with compiling documentation for audit/regulatory exams. The incumbent will work as part of the larger team to assist with reporting, identifying and analyzing credit risks. This position offers visibility to senior management, Risk/Finance partners, auditors and regulators. The successful candidate will be attentive to detail, a strong communicator and proficient in time management.
Duties and Responsibilities:<ul><li>
Use data analytics to evaluate credit performance within the Consumer and Commercial loan portfolios</li><li>
Closely monitor trends, industry/peer performance and the economic environment to assess any potential emerging issues</li><li>
Develop and monitor metrics/analysis based on portfolio performance</li><li>
Contribute to the bank&rsquo;s quarterly Credit Pillar Risk Assessment exercises</li><li>
Prepare management-level presentations and board packages</li><li>
Perform SOX governance activities including control review and control execution</li><li>
Coordinate activities related to internal, external and regulatory exams</li><li>
Leverage existing data sources and problem-solving to develop solutions</li><li>
Performs other duties as assigned</li></ul>
Basic Qualifications:<ul><li>
Bachelor&rsquo;s Degree</li><li>
7 years of combined financial services experience in credit, and/or risk management</li></ul>
Preferred Qualifications:<ul><li>
Minimum of 2 years of experience in SAS, SQL or other data analytics tools</li><li>
Ability to prepare concise presentations to communicate analytical findings to a wide array of audiences</li><li>
Experience driving strategic insights from credit portfolios</li><li>
High proficiency with Microsoft Office applications (Excel, PowerPoint, Word, Outlook)</li><li>
Analytical, critical thinking and problem-solving abilities</li><li>
Self-initiative, effective communication and interpersonal skills</li><li>
Detail oriented with the ability to work under pressure to meet critical deadlines</li><li>
Effective cross-functional project, resource, and stakeholder management</li></ul>
#LI-RP1 
Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)
Yes
Applications Accepted Through:
04/30/2026
Huntington expects to accept applications through at least the date above, and may continue to accept applications until the position is filled.
Workplace Type:
Office
Our Approach to Office Workplace Type
Certain positions outside our branch network may be eligible for a flexible work arrangement. We&rsquo;re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.
Compensation Range:
$70,000 - $140,000 Annual Salary
The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO).
Huntington is an Equal Opportunity Employer.
Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.
Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.</div>

Allowance Credit Risk Analyst Sr

Wells Fargo

<div>About this role: 
 
Wells Fargo is seeking a Senior Finance Analyst to provide strategic support, oversight and guidance to the Wells Fargo Credit Card business. The position will partner closely with the Branded Card Business team to assist them in their growth by providing financial leadership and analytical support across financial forecasting, month-end reporting, expense management, Business reviews, financial analysis and evaluations of investment and marketing initiatives. This role will also lead the Finance investment oversight and review process for Card-related business investments. 
 
In this role, you will:<ul><li>
Act as a trusted finance partner to Branded Card leaders, helping them make informed business decisions.</li><li>
Produce and explain monthly financial results and forecasts, including revenue, losses, and expenses.</li><li>
Support key Branded Card activities such as investments such as acquisition and portfolio initiatives, project spending, account growth, and overall performance tracking.</li><li>
Create and present financial insights and recommendations for Card and Marketing initiatives to senior management.</li><li>
Work closely with Finance and cross-functional teams (Marketing, Strategy, Operations, Risk) to ensure accurate forecasts, strong investment decisions, and sound financial oversight.</li><li>
Lead, manage, and continuously improve the Finance investment oversight function for business investment activities</li></ul>
Required Qualifications:<ul><li>
4+ years of Finance experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education</li></ul>
Desired Qualifications:<ul><li>
Bachelor's degree or higher in Finance, Accounting, Analytics, Reporting, or a related field</li><li>
Experience in finance, analytics, and/or financial reporting</li><li>
Prior credit card or consumer lending experience</li><li>
Knowledge of Essbase or similar financial reporting and analysis tools</li><li>
Strong understanding of both the financial and strategic aspects of the business to support growth initiatives</li><li>
Strong analytical skills with exceptional attention to detail and accuracy</li><li>
Ability to operate effectively in a matrixed organizational environment</li><li>
Advanced proficiency in Microsoft Office applications, particularly Excel, as well as PowerPoint, Word, Outlook, SharePoint, and LiveMeeting</li><li>
Excellent written and verbal communication skills, with the ability to present to senior executive-level audiences</li></ul>
Job Expectations:<ul><li>
This position offers a hybrid work schedule from our Wilmington, DE, Charlotte, NC and Des Moines, IA locations.</li><li>
Relocation assistance is not available for this position.</li><li>
This position is not eligible for Visa sponsorship.</li></ul>
Posting End Date:
 
15 Apr 2026 
*Job posting may come down early due to volume of applicants.
 
 
We Value Equal Opportunity 
 
Wells Fargo is 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, disability, status as a protected veteran, or any other legally protected characteristic. 
 
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. 
 
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. 
 
Applicants with Disabilities 
 
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo . 
 
Drug and Alcohol Policy 
 
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. 
 
Wells Fargo Recruitment and Hiring Requirements: 
 
a. Third-Party recordings are prohibited unless authorized by Wells Fargo. 
 
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.</div>

Credit Card Finance - Senior Business Finance Analyst

Ace Hardware

<div>About This Role
The Senior Credit Analyst functions include Advanced Financial Statement Analysis for; the preparation of Member Applications, to facilitate Order Release, Underwrite Retailer Loans, and to manage the Collection effort for a multi-million-dollar portfolio of retail store accounts. This critical Finance role is responsible for identifying and mitigating risk for their portfolio and to protect the Cooperative from financial losses. You will receive the support and collaboration of an extensive team of Credit and Operations professionals to help you achieve your goals.
What You&rsquo;ll Do
<ul><li>Analyze and decision new Member Applications within designated authority and territory
</li><li>Underwrite Loan Applications within designated territory
</li><li>Determine appropriate credit limits within designated authority and territory
</li><li>Disposition blocked retailer orders timely and in line the retailer's risk profile
</li><li>Establish payment plans to resolve retailer past due balances
</li></ul>Who You Are
You are a Finance or Accounting professional with exceptional attention to detail that excels in financial statement analysis and risk assessment. You have a strong work ethic with excellent communication skills and enjoy working cross functionally with colleagues and business owners across the country.
Required Skills
<ul><li>Minimum of 4 years of experience.
</li><li>Ability to to quickly read, interpret and analyze financial statements including balance sheets, income and cash flow statements, and proforma data to produce a professional written analysis.
</li><li>Manage a portfolio of accounts including setting credit limits, order release, and working with past due retailers to develop solutions and payment plans as needed.
</li><li>Self-motivated, with a strong work ethic, well organized and able to perform with limited supervision in order to work effectively within various deadlines and time constraints.
</li><li>Excellent verbal and non-verbal communication and negotiation skills.
</li><li>Proficient with SAP or equivalent ERP system, MS Office Suite, database queries and reporting.
</li></ul>Preferred Skills
<ul><li>A four year business degree (preferably in Finance, Economics or Accounting)
</li><li>Familiarity with business and credit laws and prior experience working with legal contracts.
</li></ul>Compensation Details:
$76300 - $95500 per year
Why should you join our team?
We live our values - W.E.L.I.G.H.T (Winning, Excellence, Love, Integrity, Gratitude, Humility, and Teamwork). Gratitude. Humility. Love. You don&rsquo;t often see values like these in most corporate statements, but Ace is different. These things are important to us. They represent our commitment to the company, our employees, to Ace retailers and to the Ace brand. 
In addition to providing our employees a great culture, Ace also offers competitive benefits* that address life&rsquo;s necessities and perks, many of which expand and improve year after year, including:
<ul><li>Incentive opportunities, based on role/grade level (company growth over the past 5 years resulted in incentives being paid out at an average of 122% of your target opportunity!)
</li><li>Generous 401(k) retirement savings plan with a fully vested matching contribution the first year in addition to quarterly contributions and annual discretionary contribution (once eligibility requirements have been met). Over the past 5 years, company contributions (matching, quarterly &amp; discretionary) for fully eligible employees have averaged 10% of total eligible compensation
</li><li>Comprehensive health coverage (medical, dental, vision and disability &ndash; up to 26 weeks short-term disability and long-term disability) &amp; life insurance benefits for you and your dependents
</li><li>21 days of vacation immediately available (prorated in the first year) and up to 6 paid holidays depending on the month of hire
</li><li>Company Car, phone and fuel card are provided for field-based positions
</li><li>Your career at Ace is more than just a job. It&rsquo;s a chance to be part of something meaningful. We help locally-owned businesses thrive and make an impact in their communities &ndash; and we support our employees in doing the same by offering an annual Ace Cares Week, 20 hours off work per year to volunteer at an organization of your choice, opportunities to help Children&rsquo;s Miracle Network Hospitals and the Ace Helpful Fund through the Ace Foundation
</li><li>Ace invests in every employee we hire, with a key focus on development and coaching. We offer on-site classes, facilitator-led courses, and a generous tuition assistance program, plus a performance management approach that goes beyond the typical annual review
</li><li>We know the work environment matters. That&rsquo;s why Ace holds frequent campus events like Employee Appreciation Week, vendor demos, cookouts, and merchandise sales
</li><li>We bring them to you! Services such as mobile spas, auto maintenance, car wash and detailing, dry cleaning, dentists, eye doctors, flu shots, recycling and more!
</li><li>Employee discounts on Ace merchandise (including top brands like Weber, Traeger, Yeti, Craftsman, DeWalt and more), travel, fitness, computers and thousands more
</li></ul><ul><li>Birth/Adoption bonding paid time off
</li><li>Adoption cost reimbursement
</li><li>Employee Assistance Program (EAP) &ndash; access to free visits to therapists and lawyers, guidance on financial matters, elder and childcare, and assistance with tickets to entertainment events
</li><li>Identity theft protection
</li></ul>* Benefits are provided in compliance with applicable policies.
Want to be notified when new jobs are posted? Follow the link below to create an account and set up custom job alerts:
Create Job Alert
We want to hear from you!
 
When most people think of career opportunities with Ace Hardware, they often think of the helpful cashiers and sales associates at their local store. However, have you also considered the people behind the scenes who select, promote, ship and process the invoices for more than 75,000 products? Maybe you haven't, but we'd like you to. Because together we help our customers take care of their homes. Come find out why a career with the Ace Hardware Corporation is one of America's best kept secrets.
Equal Opportunity Employer
 
Ace Hardware Corporation is committed to a policy of promoting equal employment opportunities. The company recognizes the importance of diversity and leveraging the skills and talents of all people to the mutual advantage of each individual and the organization. The company is committed to the prevention of employment discrimination related to race, religion, color, sex (including sexual harassment), gender identity, national origin, age, marital status, disability and military or veteran status, sexual orientation or any other action covered by federal or applicable state/local laws.
Disclaimer
The pay range for this position starts as listed in the job posting, but could be higher based on education and experience. Please note, compensation decisions are dependent on the facts and circumstances of each opening. We take into consideration the minimum requirements outlined in the job description, such as an individual&rsquo;s education, training and experience, the position&rsquo;s work location, required travel (if any), and external market conditions when determining the final salary for potential new hires.
Be aware that salary estimates published via alternate online job boards may not be a true representation of the actual pay range offered for this position. Please refer to the Ace position description for the accurate starting pay range information and feel free to discuss this with a Talent Acquisition professional if you are chosen to move forward with an interview.
This written &ldquo;Position Description&rdquo; is not intended to cover all aspects of the position listed. It is meant to cover the basic/general essential job functions of a particular position. Ace Hardware Corporation reserves the right to change job duties, including essential job functions, according to business necessity.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.</div>

Sr. Credit Analyst

Citi

<div><div><div>Job Req Id:</div>
<div>26949117</div>
</div><div><div>Location(s):</div>
<div>Irving, Texas, United States</div>
</div><div><div>Job Type:</div>
<div>Hybrid</div>
</div><div><div>Posted:</div>
<div>Apr. 13, 2026</div></div></div>
 <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>
Description
The Senior Vice President (SVP), Portfolio Credit Risk Manager in Wealth Risk Management is a senior leadership role within the Second Line of Defense (2LOD). This position provides independent risk oversight for a diverse portfolio, including retail-unsecured portfolios and wholesale securities-based lending (SBL) from the Wealth at Work (WaW) and US Consumer Wealth (USCW) business segments.
The core objective is to lead portfolio risk management activities to minimize credit losses and protect the Citigroup franchise and reputation. This individual will ensure portfolio risks remain within the firm's established risk appetite, align practices with regulatory and internal frameworks, and provide effective, objective challenge to the First Line of Defense (1LOD). The SVP will also evaluate emerging risks linked to client behavior, market conditions, and macroeconomic trends to protect the firm's financial stability.
Responsibilities<ul><li>
Provide effective challenge to Portfolio Risk management activities.</li><li>
Supervise, scrutinize, and provide credible challenge to 1LOD underwriting, exposure management, and margin practices to ensure alignment with the firm's risk appetite.</li><li>
Partner on the end-to-end framework for credit reserve adequacy, including portfolio-level risk appetite statements and stress thresholds.</li><li>
Oversee, analyze, challenge and approve, as applicable, retail unsecured credit loan and counterparty transactions, providing credit recommendations and guidance to senior risk managers and structuring transactions to contain credit risk within acceptable parameters.</li><li>
Provide independent oversight of SBL portfolios, encompassing collateral quality, margin methodologies, and stress testing.</li><li>
Assess the effectiveness of credit risk processes, product programs, and standards to identify opportunities for improvement and drive strategic enhancements.</li><li>
Provide an autonomous assessment of the accuracy and appropriateness of risk ratings and classifications for assigned portfolios.</li><li>
Interface as needed with regulators and internal audits, managing information requests and overseeing any required remediation efforts.</li><li>
Partner with stakeholders to understand data sources and improve the process of defining, extracting, and utilizing data for risk management purposes.</li><li>
Review and assess the appropriateness, completeness and functionality pf controls applicable to WaW/USCW Risk and manage the performance of same where applicable.</li><li>
Report to and assist the WaW/USCW Risk Head with tasks as required and perform other assigned duties.</li></ul>
Qualifications<ul><li>
10+ years of prior experience in a credit-related, risk management, or banking role, with a strong background in Wealth Management, Retail Risk, or related business functions.</li><li>
Solid knowledge and hands-on experience in risk management, especially with credit portfolios, exhibiting abilities in scrutinizing, probing, and supervising first line of defense risk management</li><li>
Strong familiarity with collateral management, market risk dynamics, and regulatory expectations for consumer credit and SBL.</li><li>
Knowledge of Citi Retail Credit Risk and Wholesale Credit Risk policies and frameworks.</li><li>
Proficiency in credit analysis, counterparty risk, and portfolio stress testing, with the ability to predict and plan for potential market fluctuations.</li><li>
Excellent communication and presentation skills, with a demonstrated ability to explain complex financial concepts to diverse stakeholders, negotiate effectively, and influence strategic decisions.</li><li>
Proven ability to operate independently, deliver under tight timeframes, and manage multiple complex activities in a fast-paced environment.</li><li>
Demonstrated leadership in driving collaboration across teams.</li><li>
Exceptional project management skills, with the capability to oversee multiple projects from inception to completion.</li><li>
Proficiency in ensuring compliance with legal and regulatory requirements.</li></ul>
Education<ul><li>
Bachelor's degree/University degree or equivalent experience.</li><li>
Master's degree preferred.</li></ul>
-
Job Family Group:
Risk Management
-
Job Family:
Portfolio Credit Risk Management
-
Time Type:
Full time
-
Primary Location:
Irving Texas United States
-
Primary Location Full Time Salary Range:
$144,480.00 - $216,720.00 
In addition to salary, Citi&rsquo;s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental &amp; vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
-
Most Relevant Skills
Analytical Thinking, Credible Challenge, Governance, Monitoring and Evaluation, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Anticipated Posting Close Date:
Apr 17, 2026
-
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>

Senior Vice President - Portfolio Credit Risk Management 2nd LOD Sr. Lead Analyst - Risk (Hybrid)

<div></div><div><div><ul><li><div>Business Unit
</div><div>QNB - Kuwait
</div></li><li><div>Division
</div><div>Risk Management
</div></li><li><div>Department
</div><div>Risk Management
</div></li><li><div>Location
</div><div>Kuwait, Kuwait
</div></li><li><div>Closing Date
</div><div>16-Jul-2026
</div></li></ul></div><div><div><h5 class="jobSectionHeader">About QNB</h5>
Established in 1964 as the country&rsquo;s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.
QNB Group&rsquo;s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.
QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard &amp; Poor&rsquo;s (A), Moody&rsquo;s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.
Based on the Group&rsquo;s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.
QNB Group has an active community support program and sponsors various social, educational and sporting events.
</div></div><div><div><div><h5 class="jobSectionHeader">Job Purpose Summary</h5>
</div><div>The incumbent will be responsible for assisting the management of the process of credit approval on individual credit facility proposals for Corporate and Retail customers (only those retail proposals that fall outside applicable policy parameters), forwarded to them by the appropriate departments/ units. The incumbent will assess the quality of the credit exposure sought to be undertaken and adherence to established policies and procedures. The incumbent will constantly research and seek to apply best practices in credit risk, in accordance with Basel II and other relevant guidelines.
</div></div><div><div><h5 class="jobSectionHeader">Essential Duties &amp; Responsibilities by Dimensions</h5>
</div><div>A- Shareholder &amp; Financial<ul><li>
Perform activities within the assigned Credit Risk Strategy that reflects the Group&rsquo;s tolerance for risk and the level of profitability the Group expects to achieve for incurring various credit risks.</li><li>
Ensure the use of a standardized process for evaluating credit proposals ensuring that all approved credits are within QNB&rsquo;s Credit Risk Strategy.</li><li>
Assist the SVP of Risk in creating Key Performance Indicators (KPIs) for the department and monitor their achievement on periodic basis</li><li>
Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor same.</li><li>
Implements KPI&rsquo;s and best practices for role</li><li>
Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank.</li><li>
Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial performance.</li></ul>
B- Customer (Internal &amp; External)<ul><li>
Coordinate with Compliance Group to ensure an appropriate response to obtain updates on regulations pertaining to credit risk review that are promulgated by the Central Bank, if any.</li><li>
Build and maintain strong and effective relationship with the all other related departments and units to achieve the Group&rsquo;s goals/ objectives.</li><li>
Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.</li><li>
Assist the SVP of Risk in the development/ finalization of Service Level Agreements (SLAs) between the respective overseas operations and Head Office units/ departments as and when needed, to the extent they relate to the business functions.</li><li>
Ensure adherence to the Turn around Times (TAT) specified in the SLAs.</li><li>
To assist customers in all their queries on Bank&rsquo;s product and seek solution to their requests.</li><li>
Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.</li></ul>
C-Internal (Processes, Products, Regulatory)<ul><li>
Perform credit assessments, and provide credit approvals within the authority delegated to the incumbent.</li><li>
Ensure compliance with established/ approved credit risk policies and procedures and ensure that a sound environment for identifying, measuring, monitoring and controlling credit risk is in place.</li><li>
Check coordination with business unit Relationship Managers for the timely receipt of customer documents/ other information required to evaluate the credit worthiness of the proposed borrowers.</li><li>
Supervise the assessment of the credit proposals is adequate and analyses the various credit risk facets to measure a final credit risk rating including (but not limited to) an assessment of the requested facility and guarantees provided, client management and background, industry analysis, country analysis, external agency credit rating (if applicable), financial and cash flow analysis and the risk rating from the credit risk rating tool in use.</li><li>
Based on the assessment, recommend extending or declining the facility request or asking for additional security/ further structuring of the deal/ facility to safeguard the Group&rsquo;s interests.</li><li>
Ensure that all credit approvals meet overall policy guidelines and QCB regulations and to stipulate terms and conditions to mitigate the credit risk borne/ faced by the Group.</li><li>
Work towards improving overall Group credit portfolio by instilling credit risk best practices.</li><li>
Address/ facilitate correction of any weaknesses identified during assessments, audits, or examinations.</li><li>
Coordinate activities with business units to ensure the timely processing of customer credit requests within established TATs.</li></ul>
Continuous Improvement:<ul><li>
Set examples by leading improvement initiatives through cross-functional teams ensuring successes.</li><li>
Identify and encourage people to adopt practices better than the industry standard.</li><li>
Continuously encourage and recognise the importance of thinking out-of-the-box within the team.</li><li>
Encourage, solicit and reward innovative ideas even in day-to-day issues.</li></ul>
D-Learning &amp; Knowledge<ul><li>
Possess an understanding of business processes and controls in all related credit/ operational areas.</li><li>
Maintain an understanding of all pertinent regulations as well as best practices pertaining to the overall credit operations.</li><li>
Support in risk management training across all business areas within the Group.</li><li>
Proactively identify areas for professional development of self and undertake development activities.</li><li>
Seek out opportunities to remain current with all developments in professional field.</li><li>
Hold meetings with staff and assess their performance and your teams overall performance on a regular basis.</li><li>
Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members.</li><li>
Identify development opportunities and activities for staff and facilitate/coach them to improve their effectives and prepare them to assume greater responsibilities.</li></ul>
E-Legal, Regulatory, and Risk Framework Responsibilities<ul><li>
Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML &amp; CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).</li><li>
Understand and effectively perform your role under the Three Lines of Defence principle to identify measure, monitor, manage and report risks.</li><li>
Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.</li><li>
Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.</li><li>
Maintain appropriate knowledge to ensure full qualification to undertake the role.</li><li>
Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.</li><li>
Attend mandatory (internal and external) seminars as instructed by the Bank.</li></ul>
F-Other<ul><li>
Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.</li><li>
Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and Compliance functions, and relevant Regulators.</li><li>
Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position.</li><li>
All other ad hoc duties/activities related to QNB that management might request from time to time.</li></ul>
</div></div><div><div><h5 class="jobSectionHeader">Education and Experience Requirements</h5>
</div><div><ul><li>University graduate (Bachelor&rsquo;s degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred.</li><li>
Professional certification such as PRM, CPA, CFA is preferred.</li><li>
Sound typically a Minimum of 8 years&rsquo; experience in a major bank of which at least 2 years in bank in a supervisory capacity in risk function.</li></ul>
</div></div><div><div><h5 class="jobSectionHeader">Note: you will be required to attach the following:</h5>
</div><div><div><ul><li>Resume/CV</li></ul>
<ul><li>Copy of your Passport
</li></ul><ul><li>Copy of Education Certificate</li></ul></div></div></div></div></div><div></div>

Senior Manager - Credit Risk

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