senior credit officer

VyStar Credit Union

<div>At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement-available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.
We encourage you to become a part of VyStar Credit Union's family of employees.
Senior Commercial Banker
ACCOUNTABILITY STATEMENT
 
 
The Senior Commercial Banker (SCRB) will be responsible for identifying, soliciting, developing, servicing, and expanding larger commercial relationships within an assigned geographic region or market through prospecting, cross-selling, relationship-management efforts, and excellent member service. This will include sourcing and managing complex commercial loan relationships for business and commercial entities with revenues greater than $5 million and commercial lending needs greater than $2 million, while cross-selling additional products and services, and successfully transferring smaller relationships to a Banker. The position requires significant outside business development and relationship management activities. The Senior Commercial Banker will be responsible for professionally handling services inquiries and referrals from existing members, non-members, and internal and external sources. This position receives minimal supervision with daily responsibilities and is expected to independently resolve problems or situations relating to business/commercial members within assigned portfolio, following established policies and procedures while meeting all goals and objectives. In addition, the Senior Commercial Banker will mentor, coach, and develop Commercial Bankers and Business Bankers in the department as well as actively participate in any applicable training efforts.
ESSENTIAL JOB FUNCTIONS<ul><li>
Build and deepen relationships with new and existing commercial/business members with revenues greater than $5 million and commercial lending needs $2 million.</li><li>
Achieve individual quarterly/annual production and growth goals of both business loans and deposits to ensure VyStar meets its overall financial goals and objectives.</li><li>
Actively mentor, coach, and develop Commercial and Business Relationship Bankers and within the department while achieving and exceeding all personal goals and objectives.</li><li>
Maintain an advanced understanding of all business credit facilities including but not limited to: Commercial Real Estate (CRE), Construction &amp; Development (C&amp;D), Business Lines of Credit, business equipment/vehicle loans, and unsecured financing options.</li><li>
Actively participate and contribute to any training and product knowledge conference calls, sessions, or meetings.</li><li>
Effectively negotiate terms and conditions of commercial/business loans with existing and potential members.</li><li>
Review businesses financial statements, tax returns and supporting documentation, and properly package loan requests for underwriting.</li><li>
Assume responsibility for proper documentation and data integrity throughout the loan origination, annual review and renewal process.</li><li>
Actively develop and execute outbound calling strategies to successfully acquire, manage and grow profitable business relationships.</li><li>
Collaborate with Commercial and Business Relationship Bankers, and branch colleagues to support and drive business membership growth.</li><li>
Remain informed of VyStar&rsquo;s credit standards, pricing structure, loan policies and procedures, member service practices and other information fundamental to the successful execution of the Commercial Banker job duties and responsibilities.</li><li>
Accurately and consistently monitor, maintain, and update sales activity, pipeline, and other pertinent information using the VyStar&rsquo;s contact management system.</li><li>
Represent VyStar in the community by actively participating in civic affairs and local and professional organizations to identify and develop new clients and enhance the credit union&rsquo;s image and commitment to the local community.</li><li>
Effectively interact with Commercial Services portfolio management, credit underwriting and servicing departments to efficiently process loan requests, renewals, and any other credit related activities.</li><li>
Actively call on existing business members within assigned portfolio to ensure that members&rsquo; needs are being met, and appropriate solutions are presented.</li><li>
Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, and VyStar in general.</li><li>
Maintain an in-depth knowledge of VyStar&rsquo;s business services products and services.</li><li>
Effectively handle incoming business services inquires and referrals from branches, call center and other internal partners.</li><li>
Leverage problem-solving and strong communication skills to resolve business member issues and disputes.</li><li>
Present a professional, friendly, and helpful appearance with every interaction as a representative of VyStar and the Business Services team.</li><li>
Adhere to VyStar Credit Union and departmental policies and procedures with regards to attendance, daily schedules, action items, and reporting requirements.</li><li>
Perform other essential job-related duties as assigned by Chief Business Services Officer or VP Business Banking Sales.</li><li>
All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.</li></ul>
Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job:<ul><li>
Focus - Focus your full attention by carefully listening to and observing client or member.</li><li>
Connect - Consistently be friendly and approachable. Demonstrate your care.</li><li>
Understand - Listen empathetically and ask questions (70%/30% rule).</li><li>
Counsel - Recommend solutions based on your member&rsquo;s needs and objectives.</li><li>
Advance - Ensure that member&rsquo;s expectations were exceeded.</li><li>
Verify necessary follow-up actions.</li></ul>
JOB KNOWLEDGE, SKILLS &amp; ABILITIES<ul><li>
Minimum ten (10) years lending experience in business or commercial credit.</li><li>
Minimum ten (10) years of experience in business services or business/commercial banking with proven success in establishing new customers/members, loan/deposit growth, and the ability to deliver results.</li><li>
Must have an advanced understanding of business/commercial credit, deposit, and related products and services.</li><li>
Must have an advanced understanding of business/personal financial statements and tax returns to identify credit worthiness and identifying risk potential.</li><li>
Must have an advanced understanding of financial analysis including cash flow, profitability, liquidity, leverage, and solvency.</li><li>
Demonstrated ability to successfully structure complex credit requests that minimize risk while providing member value.</li><li>
Work requires a broad level of professional experience in commercial lending to include thorough knowledge of commercial underwriting, servicing and portfolio management.</li><li>
Proven track record of success and skills in developing new clients and business, including pro-active prospecting, sourcing and networking.</li><li>
Excellent verbal and written communication and negotiation skills.</li><li>
Must be a highly motivated, detail oriented, able to multi-task and work in a fast-paced environment.</li><li>
Aptitude to source and build new business relationships.</li><li>
Proficiency with Microsoft products including Word, Excel, PowerPoint, and Outlook.</li></ul>
EDUCATION<ul><li>
Required: Bachelor&rsquo;s Degree or higher</li><li>
Required: Formal business/commercial credit training</li></ul>
DISCLAIMERS AND WORK ENVIRONMENT
Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.
The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.
VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.
No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.
Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.
Thank you again for your interest in this position!
VyStar Credit Union Human Resources</div>

Senior Commercial Banker

Lendo

<div>As Lendo continues to expand, we are looking for a Senior Credit Manager to support the growth of our lending portfolio through hands-on credit assessment, strong risk management, and day-to-day leadership of the credit function.
This is a highly hands-on role, ideal for someone who enjoys being close to the detail, making credit decisions, and working closely with the team to ensure high-quality and efficient underwriting. 
Key Responsibilities:<ul><li>
Evaluate the creditworthiness of potential customers by analysing financial statements, cash flow, credit history, and key risk indicators</li><li>
Review borrower applications end-to-end, providing clear recommendations on approvals, declines, and deal structuring aligned with Lendo&rsquo;s risk appetite</li><li>
Lead and support the credit team on day-to-day operations, including task delegation, prioritisation, and ensuring timely turnaround of credit decisions</li><li>
Ensure all lending activities comply with SAMA regulations and internal credit policies, maintaining strong governance standards</li><li>
Monitor portfolio performance, including repayments, arrears, and bad debts, proactively identifying risks and implementing mitigation actions</li><li>
Own and continuously improve credit policies and underwriting processes in line with business needs and market conditions</li><li>
Create and maintain product specifications and credit procedure documentation to support consistency and scalability</li><li>
Work closely with Product, Data, and Tech teams to enhance underwriting processes, automation, and decision-making capabilities</li></ul>
Qualifications:<ul><li>
6&ndash;10+ years of experience in credit risk / underwriting, ideally within SME lending or fintech</li><li>
Proven experience working within a SAMA-regulated environment</li><li>
Strong hands-on credit assessment experience with solid financial analysis capability</li><li>
Previous experience leading or mentoring a team</li><li>
Strong understanding of credit policies, underwriting processes, and portfolio monitoring</li><li>
Detail-oriented with a high level of ownership and accountability</li><li>
Comfortable operating in a fast-paced, high-growth environment</li><li>
Strong communication and stakeholder management skills</li></ul></div>

Senior Credit Manager

Summit Credit Union

<div>At Summit Credit Union, we&rsquo;re all about people helping people&mdash;while building futures, confidence, and financial wellness along the way. As a Senior Universal Banker at our Waukesha Northeast branch, you&rsquo;ll be at the center of that mission. You won&rsquo;t just work in banking, you&rsquo;ll shape financial journeys, spark positive change, and grow your own career in an environment that celebrates innovation, inclusivity, and community. If you want a role where your impact is real, your voice is heard, and your growth is supported, Summit is where you&rsquo;ll want to be. 


What You&rsquo;ll Do &amp; The Impact You&rsquo;ll Make

As a Senior Universal Banker, you&rsquo;ll be the go‑to financial guide for members. You will:
<ul>
<li>Lead financial conversations with members to help them navigate everyday banking, major life decisions, and long‑term goals.</li>
</ul><ul><li>Build relationships that create lifelong members through trust, empathy, and outstanding service.</li>
</ul><ul><li>Provide expert support on accounts, loans, digital banking tools, and personalized financial solutions.</li>
</ul><ul><li>Mentor and support Universal Bankers, helping elevate the member experience and team performance.</li>
</ul><ul><li>Solve problems creatively, from helping a member improve their credit to guiding them through a big purchase or budget.</li>
</ul><ul><li>Drive branch success through sales, service excellence, and smart decision‑making.</li>
</ul>
Your impact matters. 
Every conversation could help someone buy their first home, improve their financial confidence, or finally breathe easier about money. Your work directly helps build stronger members and stronger communities. 


What You&rsquo;ll Bring
<ul>
<li>2+ years of sales or customer service experience (or related higher education).</li>
</ul><ul><li>High school diploma or equivalent required.</li>
</ul><ul><li>Ability to obtain and maintain an NMLS number.</li>
</ul><ul><li>Strong communication and interpersonal skills that reflect Summit&rsquo;s positive, member‑focused culture.</li>
</ul><ul><li>Adaptability and sound judgment to handle unique daily challenges within established guidelines.</li>
</ul><ul><li>Active listening skills and a commitment to fully understanding and resolving member needs.</li>
</ul><ul><li>Ability to build relationships and communicate proactively with members and non‑members.</li>
</ul><ul><li>High attention to detail, with consistent follow‑up and follow‑through.</li>
</ul><ul><li>Comfort using the Microsoft Office Suite and digital tools.</li>
</ul><ul><li>Basic math skills and readiness to learn more complex financial concepts.</li></ul> 


Why You&rsquo;ll Love Working Here

We take care of our people&mdash;because when our employees thrive, our members do too.

Our perks include:
<ul>
<li>Excellent health insurance options to support you and your family</li>
</ul><ul><li>401(k) with employer match to help you invest in your future</li>
</ul><ul><li>Generous paid time off so you can recharge and live your life</li>
</ul><ul><li>Paid holidays and wellness-focused benefits</li>
</ul><ul><li>Opportunities for professional growth and leadership development</li>
</ul><ul><li>A people-first culture that values inclusion, purpose, and impact</li>
</ul><ul><li>And more benefits designed to support you&mdash;at work and beyond</li></ul> 


Our Commitment

At Summit Credit Union, different makes us better. We are proud to be an Equal Employment Opportunity employer and are committed to building a diverse, inclusive workplace where everyone belongs and can do their best work.

Ready to Make an Impact?

If you&rsquo;re passionate about leading people, strengthening communities, and helping members achieve homeownership with confidence&mdash;we&rsquo;d love to meet you. 


Additional Information
<ul>
<li>Physical Demands of Position: While performing the duties of this job, the employee is continuously required to stand, walk and sit, use hands and fingers. The employee occasionally must reach above and below shoulder level, and lift/push/pull and/or carry up to 40 pounds.</li>
</ul><ul><li>Environmental/Working Conditions: Works in a typical administrative setting with climate control and appropriate lighting. Saturday hours required.</li>
</ul><ul><li>Equipment Used: Computer terminal/PC, calculator, printer/copiers, telephone.</li>
</ul><ul><li>EEO Statement: At Summit Credit Union, we are committed to providing Equal Employment Opportunity regardless of race, color, religion, sex, age, national origin, disability, military and veteran status, sexual orientation, gender identity, marital status or any other characteristic protected by local, state, or federal law. We embrace diversity and believe that inclusion is critical to our success as a credit union. Different makes us better. Employment decisions are made based on qualifications, merit, and business need.</li></ul></div>

Senior Universal Banker (Personal Banker)

<div>At Summit Credit Union, we&rsquo;re all about people helping people&mdash;while building futures, confidence, and financial wellness along the way. As a Senior Universal Banker at our West Milwaukee branch, you&rsquo;ll be at the center of that mission. You won&rsquo;t just work in banking, you&rsquo;ll shape financial journeys, spark positive change, and grow your own career in an environment that celebrates innovation, inclusivity, and community. If you want a role where your impact is real, your voice is heard, and your growth is supported, Summit is where you&rsquo;ll want to be. 


What You&rsquo;ll Do &amp; The Impact You&rsquo;ll Make

As a Senior Universal Banker, you&rsquo;ll be the go‑to financial guide for members. You will:
<ul>
<li>Lead financial conversations with members to help them navigate everyday banking, major life decisions, and long‑term goals.</li>
</ul><ul><li>Build relationships that create lifelong members through trust, empathy, and outstanding service.</li>
</ul><ul><li>Provide expert support on accounts, loans, digital banking tools, and personalized financial solutions.</li>
</ul><ul><li>Mentor and support Universal Bankers, helping elevate the member experience and team performance.</li>
</ul><ul><li>Solve problems creatively, from helping a member improve their credit to guiding them through a big purchase or budget.</li>
</ul><ul><li>Drive branch success through sales, service excellence, and smart decision‑making.</li>
</ul>
Your impact matters. 
Every conversation could help someone buy their first home, improve their financial confidence, or finally breathe easier about money. Your work directly helps build stronger members and stronger communities. 


What You&rsquo;ll Bring
<ul>
<li>2+ years of sales or customer service experience (or related higher education).</li>
</ul><ul><li>High school diploma or equivalent required.</li>
</ul><ul><li>Ability to obtain and maintain an NMLS number.</li>
</ul><ul><li>Strong communication and interpersonal skills that reflect Summit&rsquo;s positive, member‑focused culture.</li>
</ul><ul><li>Adaptability and sound judgment to handle unique daily challenges within established guidelines.</li>
</ul><ul><li>Active listening skills and a commitment to fully understanding and resolving member needs.</li>
</ul><ul><li>Ability to build relationships and communicate proactively with members and non‑members.</li>
</ul><ul><li>High attention to detail, with consistent follow‑up and follow‑through.</li>
</ul><ul><li>Comfort using the Microsoft Office Suite and digital tools.</li>
</ul><ul><li>Basic math skills and readiness to learn more complex financial concepts.</li></ul> 


Why You&rsquo;ll Love Working Here

We take care of our people&mdash;because when our employees thrive, our members do too.

Our perks include:
<ul>
<li>Excellent health insurance options to support you and your family</li>
</ul><ul><li>401(k) with employer match to help you invest in your future</li>
</ul><ul><li>Generous paid time off so you can recharge and live your life</li>
</ul><ul><li>Paid holidays and wellness-focused benefits</li>
</ul><ul><li>Opportunities for professional growth and leadership development</li>
</ul><ul><li>A people-first culture that values inclusion, purpose, and impact</li>
</ul><ul><li>And more benefits designed to support you&mdash;at work and beyond</li></ul> 


Our Commitment

At Summit Credit Union, different makes us better. We are proud to be an Equal Employment Opportunity employer and are committed to building a diverse, inclusive workplace where everyone belongs and can do their best work.

Ready to Make an Impact?

If you&rsquo;re passionate about leading people, strengthening communities, and helping members achieve homeownership with confidence&mdash;we&rsquo;d love to meet you. 


Additional Information
<ul>
<li>Physical Demands of Position: While performing the duties of this job, the employee is continuously required to stand, walk and sit, use hands and fingers. The employee occasionally must reach above and below shoulder level, and lift/push/pull and/or carry up to 40 pounds.</li>
</ul><ul><li>Environmental/Working Conditions: Works in a typical administrative setting with climate control and appropriate lighting. Saturday hours required.</li>
</ul><ul><li>Equipment Used: Computer terminal/PC, calculator, printer/copiers, telephone.</li>
</ul><ul><li>EEO Statement: At Summit Credit Union, we are committed to providing Equal Employment Opportunity regardless of race, color, religion, sex, age, national origin, disability, military and veteran status, sexual orientation, gender identity, marital status or any other characteristic protected by local, state, or federal law. We embrace diversity and believe that inclusion is critical to our success as a credit union. Different makes us better. Employment decisions are made based on qualifications, merit, and business need.</li></ul></div>

Qatar National Bank

<div>Job Purpose Summary 
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.
Essential Duties &amp; Responsibilities by Dimensions 
A- Shareholder &amp; Financial<ul><li>
Perform activities within the assigned Credit Risk Strategy that reflects the Group'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'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'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'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'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'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>
Education and Experience Requirements<ul><li> 
University graduate (Bachelor'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' experience in a major bank of which at least 2 years in bank in a supervisory capacity in risk function.</li></ul>
Required Special Skills<ul><li> 
Excellent oral and numerical and written communication skills in English and Arabic (preferred).</li><li>
Knowledge of Basel II Accord, with particular emphasis on credit-related issues and credit modelling methodologies.</li><li>
Excellent quantitative modelling, analytical, and research skills.</li><li>
Experience in working with large and complex data sets. Knowledge of financial markets and products.</li><li>
Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.</li><li>
In-depth understanding of credit risk methodologies (KMV, Credit / Metrics, etc.), interest rate modelling [short rate models, HJM, BGM, etc.], VAR, and/or other complex financial risk modelling highly desirable.</li><li>
Adequate knowledge of IT systems/ applications.</li><li>
Self-motivated, eye for detail with ability to work with others and lead teams from diverse cultural backgrounds.</li></ul></div>

Senior Manager - Credit Risk (Kuwaitization)

Prometeia

<div>
 
 
 Senior Credit Risk Modeller
 
 
 
 
 
 
 Are you curious and ready to accept a new challenge in your career? Are you eager to join a dynamic company and bring innovation through your work and skills?
 
 
 Prometeia offers you opportunities for growth and training in a Group with over 1000 professionals working for more than 500 clients in 20 countries around the world.
 
 
 Among the European leaders in Enterprise Risk Management and Wealth &amp; Asset Management solutions, Prometeia is looking for a Senior Credit Risk Modeller for its Istanbul office.
 
 
 The selected candidate will support project managers and join teams specialized in risk management, operating on consulting projects for the main banking and financial intermediaries groups.
 
 
 
 
 
 
 MAIN TASKS:
 
 
 
 The successful candidate will join a specialized team based in Istanbul, operating within credit risk modelling and advisory projects for financial intermediaries. The senior consultant will support the project managers in the management of the activities relating to the following areas:
 
 <ul>
 <li>
 Development and implementation of risk parameter estimation (PD, LGD, EAD), satellite and ECL (IFRS 9) models;
 </li>
 <li>
 Development and implementation of portfolio models (Credit VaR) and stress testing;
 </li>
 <li>
 Model validation;
 </li>
 <li>
 Credit risk advisory;
 </li>
 <li>
 Advanced Analytics.
 </li>
 </ul>
 
 
 
 
 
 EDUCATION &amp; EXPERIENCE:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s or Master&rsquo;s degree with excellent marks in Economics/Finance, Statistics or Engineering coupled with sound quantitative knowledge.
 </li>
 <li>
 At least 3-5 years working experience in credit risk modelling.
 </li>
 </ul>
 
 
 
 
 
 REQUIREMENTS:
 
 
 <ul>
 <li>
 Proficiency in both verbal and written English;
 </li>
 <li>
 Practical application of statistical modelling techniques;
 </li>
 <li>
 Experience of using mathematical/statistical computing software or other data mining skills;
 </li>
 <li>
 Proficiency and hands-on experience in coding with
 
 Python and/or R
 
 .
 </li>
 <li>
 Hands-on academic and/or industry experience on one or more of the frameworks and libraries: pandas, NumPy, TensorFlow, Keras, PyTorch, sci-kit-learn is nice tohave
 </li>
 <li>
 Excellent Microsoft Office skills e.g. Excel, Word, PowerPoint and Access
 </li>
 </ul>
 
 
 
 
 
 SOFT SKILLS:
 
 
 <ul>
 <li>
 Strong analytical skills with acute attention to detail
 </li>
 <li>
 Assertive and excellent communication and interpersonal skills
 </li>
 <li>
 Self-motivated driver of performance
 </li>
 <li>
 Time management skills to meet the required deadlines
 </li>
 </ul>
 
 
 
 
 
 LOCATION:
 
 
 
 Istanbul
 
 
 
 
 
 
 OTHER:
 
 
 
 The selected candidate will be offered a career path that may include trips abroad as well as the opportunity to work in a stimulating and dynamic environment, strongly oriented towards the enhancement of resources according to the objectives attained.
 
 
 Applications made without sending an updated cv in English won't be considered.
 
 
 The eligible candidates will be contacted for a preliminary call by the Corporate HR Representatives (Italy-based).
 
 
 
 
 
 
 WHAT WE OFFER:
 
 
 
 
 COMPENSATION, WELFARE &amp; BENEFITS
 
 
 
 Our history, as well as our future, is based on the value of our people. Prometeia&rsquo;s biggest investment is in our people and it concerns every aspect of professional life. We call it &ldquo;Total Compensation&rdquo; and it is made of three elements: Compensation, consisting of a fixed and a variable component, a Welfare Plan active since 2015 &ndash;we were among the first companies in Italy to introduce it&ndash;, and Benefits, including all initiatives for the well-being of our people.
 
 
 
 
 
 
 REMOTE WORKING
 
 
 
 Flexibility is an intrinsic value of our way of working. In Prometeia, remote working is an organizational method based on trust. It results in benefits in terms of work/life balance, impact on the environment and optimization of company results through autonomy and empowerment of people.
 
 
 
 
 
 
 PEOPLE PROGRAM
 
 
 
 Our evaluation system is based on the full enhancement of our people and on continuous dialogue as a stimulus for regular, mutual professional and personal growth. Within the projects, several moments are dedicated to transparent discussions between managers and team members. This allows for reciprocal and prompt feedback. The process is fully digitalized and aimed at continuously improving the strategic growth of both the individual and the company.
 
 
 
 
 
 
 TRAINING
 
 
 
 Prometeia means continuous training. We provide an average of 11 days of training per year to our people, in person and online. We pay specific attention to younger colleagues, the protagonists of dedicated growth programs, and to the continuous sharing and internal transfer of know-how and skills. On-the-job training is also important and is made of immediate and direct confrontation with the market.
 
 
 
 
 
 
 WIN/WIN POLICY
 
 
 
 If you are one of our employees and you recommend a person who is later hired, you are entitled to a financial bonus! This is an important opportunity to contribute to the growth of Prometeia as a whole, by attracting acknowledged market professionals and new tech talents.
 
 
 
 
 
 
 PHYGITAL MANAGEMENT
 
 
 
 We have completely digitalized the management of our physical and virtual environments through the dedicated app Pr(Home)teia. Access to the office, remote working, workstations, meeting rooms, carpooling... everything is just a click away.
 
 
 
 
 
 
 COMMUNITY
 
 
 
 Our Community is highly diverse, as are the skills of the people who are part of it and who share its values, and the individuals and organizations directly or indirectly involved in our activities. Clients, People of the Group, Alumni, Institutions, Academia, non-profit entities we actively cooperate with are stakeholders representing a great value for us in terms of trust and collaboration.
 
 
 
 
 
 
 DIVERSITY
 
 
 
 We promote and respect equal opportunities and consider differences as a value. Diversity &amp; Inclusion are fundamental values: from the recruitment phase to everyday life, promoted also through dedicated training moments to develop individual sensitivities and uniqueness.
 
 
 
 
 
 
 IMPACT
 
 
 
 We responsibly take an active role towards the environment, territories and communities we operate in. Our Headquarter in Bologna has obtained the Leed Gold Certification, one of the highest awards recognizing the efficiency of the building in terms of energy and water savings, CO2 emissions reduction, and improvement of the ecological quality of interiors, materials and resources. In the Sustainability Report we outline the results achieved within the 17 Sustainable Development Goals (SDGs) of the 2030 Agenda drafted by the UN in 2016, that we have been supporting since 2020.
 
 
 
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