senior credit officer

Citi

<div><h2 class="jobSectionHeader">Discover your future at Citi</h2>
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<h2 class="jobSectionHeader">Job Overview</h2>
Corporate Regional Markets and Public Sector (CRMPS) Underwriting is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. Underwriting&rsquo;s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Wholesale Credit Risk and Banking&rsquo;s shared commitment to ensuring the safety and soundness of wholesale lending.
Staffers have dual responsibility of setting the direction for and leading the analysts while also acting as an Underwriter for a select number of relationships.
This role has responsibility for a portfolio of Corporates, Financials Institutions and Public Sector relationships in the Middle East and Central Asia. The role reports directly to the Underwriting Sub-Cluster Head for Middle East and Central Asia.
Key Responsibilities:
<ul><li>Accountability for ensuring risk analysis of applicable portfolio is consistent with industry leading practices and conforms to all internal credit procedures/policies, and all related regulatory expectations</li><li>
Undertake account allocation to various underwriters and lead the workflow allocation on a dynamic basis to support timely support to transactions while meeting KPIs on extension rates, past due ratings and past due CCMs.</li><li>
For a select number or relationships, act as the Underwriter working closely with Banking, Product and Risk partners.</li><li>
Continuous engagement with applicable Banking and Independent Risk senior stakeholders in the region to so as to understand any concerns regarding execution of risk analysis and/or emerging risks which will need to be addressed by the team</li><li>
Execute Underwriting Head plans, strategy and objectives for Underwriting</li><li>
Engage in regular dialogue with Underwriters to obtain feedback on analysts and ensure ongoing and timely feedback is provided to analysts.</li><li>
Identifying and delivering on the training needs of the analysts.</li><li>
Coaching of analysts to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution</li><li>
Partnering with the sub-cluster head and the MEA Underwriting Head on internal projects, transformation / productivity initiatives as well as regulatory remediation efforts. Address and escalate emerging risk concerns and to share best practices</li><li>
Attract, develop and retain top quality staff including as regards active engagement with regional on-campus recruiting efforts to ensure a robust pipeline of talent</li><li>
Support Voice of Employee (VOE) initiatives</li></ul>
Knowledge/Experience:<ul><li>
Demonstratable financial services experience, including 7-10 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>
Deep knowledge of Wholesale Credit Processes and organizational awareness including Underwriting functions, covered portfolios, and processes</li><li>
Proficient understanding of policies and procedures with the ability to execute change seamlessly</li><li>
Demonstrating the skills aligned with Senior Credit Officer (SCO) designation</li><li>
Excellent and thorough knowledge of Citi&acute;s systems</li><li>
Significant experience in preparing presentations for seniors</li><li>
Outstanding awareness and adherence to the control environment</li></ul>
Skills/Competencies:<ul><li>
Strategic orientation to ensure the Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi</li><li>
Recognized as a skillful manager with a track record of building high performing teams</li><li>
Proven culture carrier</li><li>
Powerful interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li><li>
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision</li><li>
Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li><li>
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills</li></ul>
Qualifications:<ul><li>
BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject</li></ul>
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Middle East ICM Underwriter and Staffer

<div>Corporate Regional Markets and Public Sector (CRMPS) Underwriting is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. Underwriting&rsquo;s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Wholesale Credit Risk and Banking&rsquo;s shared commitment to ensuring the safety and soundness of wholesale lending.
Staffers have dual responsibility of setting the direction for and leading the analysts while also acting as an Underwriter for a select number of relationships.
This role has responsibility for a portfolio of Corporates, Financials Institutions and Public Sector relationships in the Middle East and Central Asia. The role reports directly to the Underwriting Sub-Cluster Head for Middle East and Central Asia.
Key Responsibilities:
<ul><li>Accountability for ensuring risk analysis of applicable portfolio is consistent with industry leading practices and conforms to all internal credit procedures/policies, and all related regulatory expectations</li><li>
Undertake account allocation to various underwriters and lead the workflow allocation on a dynamic basis to support timely support to transactions while meeting KPIs on extension rates, past due ratings and past due CCMs.</li><li>
For a select number or relationships, act as the Underwriter working closely with Banking, Product and Risk partners.</li><li>
Continuous engagement with applicable Banking and Independent Risk senior stakeholders in the region to so as to understand any concerns regarding execution of risk analysis and/or emerging risks which will need to be addressed by the team</li><li>
Execute Underwriting Head plans, strategy and objectives for Underwriting</li><li>
Engage in regular dialogue with Underwriters to obtain feedback on analysts and ensure ongoing and timely feedback is provided to analysts.</li><li>
Identifying and delivering on the training needs of the analysts.</li><li>
Coaching of analysts to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution</li><li>
Partnering with the sub-cluster head and the MEA Underwriting Head on internal projects, transformation / productivity initiatives as well as regulatory remediation efforts. Address and escalate emerging risk concerns and to share best practices</li><li>
Attract, develop and retain top quality staff including as regards active engagement with regional on-campus recruiting efforts to ensure a robust pipeline of talent</li><li>
Support Voice of Employee (VOE) initiatives</li></ul>
Knowledge/Experience:<ul><li>
Demonstratable financial services experience, including 7-10 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>
Deep knowledge of Wholesale Credit Processes and organizational awareness including Underwriting functions, covered portfolios, and processes</li><li>
Proficient understanding of policies and procedures with the ability to execute change seamlessly</li><li>
Demonstrating the skills aligned with Senior Credit Officer (SCO) designation</li><li>
Excellent and thorough knowledge of Citi&acute;s systems</li><li>
Significant experience in preparing presentations for seniors</li><li>
Outstanding awareness and adherence to the control environment</li></ul>
Skills/Competencies:<ul><li>
Strategic orientation to ensure the Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi</li><li>
Recognized as a skillful manager with a track record of building high performing teams</li><li>
Proven culture carrier</li><li>
Powerful interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li><li>
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision</li><li>
Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li><li>
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills</li></ul>
Qualifications:<ul><li>
BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject</li></ul>
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

DSA - Credit Card Sales

Job descriptionUrgent Hiring: Direct Sales Executives (Credit Cards &amp; Personal Loans) Location: DubaiPosition: Sales Officer - Credit Cards &amp; Personal LoansSalary: AED 4,000 to AED 5000 per month + Incentives + MedicalKey Responsibilities:<ul><li>Drive sales of credit cards and personal loans through direct sales.</li><li>Develop and maintain client relationships to achieve sales targets.</li><li>Provide exceptional customer service and address client inquiries effectively.</li></ul>Requirements:<ul><li>Minimum of 1 year of UAE experience in selling UAE banking products (Credit Cards or Personal Loans preferred).</li></ul>If you meet the above qualifications and are ready to take on this exciting opportunity, please send your CV via Email at syedsamad@live.comJob Types: Full-time, PermanentPay: AED4,000.00 - AED5,000.00 per month

Senior Sales Officer for Credit Cards and Personal Loans

Edward Milton & Co

Job Description We are looking for an experienced Senior Accounts Officer / Accountant who is well-versed in IFRS &amp; GAAP bookkeeping to record and manage the day-to-day accounts of our UK and USA operations. The individual should be bright, energetic, enthusiastic, and demonstrate a &ldquo;can-do&rdquo; attitude.Key Skills:<ul><li>Excellent English oral and written communication skills</li><li>In-depth experience and understanding of Xero Accounting Software</li><li>A team player</li><li>Ability to multi-task while working with precision and accuracy</li><li>Self-motivated, organized, analytical, and deadline-driven</li><li>Good time management</li><li>Minimum of 3 years of verifiable working experience with a UK or USA-based company</li><li>Qualified or finalist ACCA &ndash; preferably with F6 &amp; P6 UK modules completed</li></ul>Responsibilities:<ul><li>Ensure accurate and timely recording of all receipts and expenditures</li><li>Bank account reconciliation</li><li>Credit control management: accurate and timely invoicing of charges to customers</li><li>Evaluate internal systems and risks and provide recommendations for improvement</li><li>Obtain and maintain proper documentation for all expenditures and payables, including staff expense reports</li><li>Implement cost-saving initiatives</li><li>Preparation of statutory accounts and working papers</li><li>Bookkeeping on Xero</li><li>Working knowledge of Income Tax, Corporation Tax, VAT, and Capital Gains Tax</li><li>Familiarity with tax treatment of expenses and benefits</li><li>Experience in a multinational, multi-location environment</li><li>Work closely with our team to ensure timely month-end and year-end closings, accurate financial reporting, and compliance with legal and tax requirements</li><li>Provide monthly revenue and expense projections</li><li>Production of management accounts</li><li>Must be able to work UK-based office hours (currently 12 pm to 9 pm Pakistan time)</li></ul>Job Type: Full-timePay: From Rs1,110.00 per monthApplication Question(s):<ul><li>What is your notice period duration?</li><li>How many years of experience do you have with Xero software? </li></ul>Experience:<ul><li>UK-based: 3 years (Required)</li></ul>Language:<ul><li>fluent English (Required)</li></ul>Work Location: In person

Senior Accounts Officer

Commercial Bank of Dubai

<div>
 Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.
 
 
 CBD has been recognized as the number one bank in the UAE on the Forbes list of The World&rsquo;s Best Banks 2022.
 
 
 As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers and delivering service that really goes the extra mile.
 
 
 
 Job Purpose:
 
 
 
 Maintain good relationships with Corporate clients, and assist RMs in keeping successful, optimal business with them
 
 
 
 Principal Accountabilities:
 
 
 
 Process renewals and new credit proposals. Process excess and isolated requests for existing customers in timely and professional manner, with minimal involvement from the RM
 
 
 Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle.
 
 
 Proficient dealing with customer queries to provide appropriate solutions to enhance the customer satisfaction levels.
 
 
 Analyse and evaluate information given by the customer such as project reports, feasibility reports, balance sheets, cash flows etc. to structure the credit lines, balancing the risk and reward.
 
 
 Establish good liaison with customers for their day to day banking requirements and professionally manage security documentation requirements.
 
 
 Establish effective and professional communication both internal and external to ensure turnaround time within designated parameters and higher client satisfaction levels.
 
 
 
 Conduct Customer Visits, Whenever Required For Business Requirements.
 
 
 
 Monitor development and progress of Commercial deals and ensure quick action in case of any adverse development.
 
 
 Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank.
 
 
 Monitor the Early Warning Signs of deterioration of accounts and ensure to keep high quality of assets.
 
 
 
 Service and Quality
 
 
 
 Professional quality of credit proposals and internal / external communication, in line with the defined policies and procedures.
 
 
 Strong autonomy and ability to work independently of RM.
 
 
 Process excess and isolated requests for existing customers within defined TAT.
 
 
 Proficient dealing with customer queries to provide appropriate solutions to enhance the customer satisfaction levels
 
 
 Requirements:
 
 
 
 Education &amp; Experience:
 
 
 
 Degree in Economics or Finance or Business Management
 
 
 3-4 years of experience of Corporate/Commercial Banking in a capacity of credit analyst / relationship officer with exposure to Corporate Banking in UAE
</div>

Senior Relationship Officer, Corporate Banking ( UAE National )

<div>The Credit Maintenance Group Manager is a senior management level position responsible for accomplishing results through the management of a team or department in an effort to maintain data on credit exposures, obligors and facilities in relevant credit systems in coordination with the Operations - Services team.The overall objective of this role is to drive data quality efforts, analyze and report credit exposure, escalate deficiencies and recommend delinquent strategies in alignment with overall credit policies.
 
 
Responsibilities: 
<ul>
<li>Manage multiple teams or functional area to accomplish established goals and conduct personnel duties for team (e.g. performance evaluations, hiring and disciplinary actions)</li>
<li>Manage multiple senior managers and multiple units, contribute to broader and more complex projects/work, and monitor and manage multi-country work</li>
<li>Control budget, policy formation, and planning
</li><li>Manage complex and highly variable issues with substantial potential impact</li>
<li>Conduct contract negotiations with vendors or contractors</li>
<li>Utilize in-depth knowledge of concepts and procedures within own area and basic knowledge of other areas to resolve issues that impact multiple areas</li>
<li>Ensure appropriate procedures are followed and contribute to defining standards</li>
<li>Integrate in-depth knowledge of own area with overall function to achieve established goals
</li><li>Provide evaluative judgement based on analysis of facts in complicated, unique, and dynamic situations including drawing from diverse internal and external sources</li>
<li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.</li></ul>
Qualifications: 
<ul>
<li>10+ years of relevant experience</li>
<li>Advanced knowledge of industry practices and standards</li>
<li>Consistently demonstrates clear and concise written and verbal communication</li>
<li>Ability to negotiate internally
</li></ul>Education: 
<ul>
<li>Bachelor&rsquo;s degree/University degree or equivalent experience</li>
<li>Master&rsquo;s degree preferred</li></ul>
-
Job Family Group:
Operations - Services
-
Job Family:
Credit Maintenance
-
Time Type:
Full time
-
Most Relevant Skills
Please see the requirements listed above.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Maintenance, Senior Vice President

<div>
 At EY, we&rsquo;re all in to shape your future with confidence.
 
 
 We&rsquo;ll help you succeed in a globally connected powerhouse of diverse teams and take your career wherever you want it to go.
 
 
 Join EY and help to build a better working world.
 
 
 
 The opportunity
 
 
 
 EY is a global leader in Assurance, Consulting, SaT (Strategy &amp;Transactions) and Tax services.
 
 
 Enabled by data, AI and advanced technology, EY teams help clients shape the future with confidence and develop answers for the most pressing issues of today and tomorrow. The insights and quality services we provide help build trust and confidence in the capital markets and in economies the world over. Our offices around the world use the same methodology and are linked through an integrated technology platform to enable instantaneous communication and collaboration among team members, regardless of location. As a member of EY Global, in T&uuml;rkiye we operate in 6 offices located in &Idot;stanbul, Ankara, Bursa, &Idot;zmir and Adana, with more than 1800 people for over 40 years.
 
 
 At EY, we empower our 400.000 people in more than 150 countries with the right mindsets and skills to navigate what&rsquo;s next, become the transformative leaders the world needs, pursue careers as unique as they are, and build their own exceptional EY experiences. We work together across our full spectrum of services and skills so that business, people and the planet can thrive together.
 
 
 Together, all in, to build a better working world.
 
 
 We are seeking for
 
 Senior Consultant
 
 to join our
 
 Financial Services Risk Management
 
 team with the following qualifications;
 
 
 
 What We Look For
 
 
 
 <ul>
 <li>
 A relevant university degree, preferably in finance, mathematics, statistics, economics, engineering or a related discipline; an MBA or MS preferred
 </li>
 <li>
 At least 3 years of relevant experience in banking/capital markets at a commercial bank with a well developed credit risk management infrastructure or comparable experience working as an advisor to a financial services company
 </li>
 <li>
 Experience in the areas of credit risk management, risk rating systems, model validation, IFRS 9 impairment models, Basel IV, climate related financial risks, regulatory capital and/or capital markets
 </li>
 <li>
 Experience in the areas of credit decision systems, credit risk and collection strategies, limit and income estimation models
 </li>
 <li>
 Strong analytical and problem solving skills and demonstrated knowledge in credit risk measurement and management
 </li>
 <li>
 Experience in any of the following software development environments: R/Python/SQL/SAS etc.
 </li>
 <li>
 Broad consulting and project management skills, effective written and oral communication skills,
 
 
 </li>
 </ul>
 
 Your Key Responsibilities
 
 
 
 Serve as an integral member of an engagement team by supporting many aspects of client advisory projects. Develop your personal and business skills and embrace technical excellence by working on challenging projects with some of the most well-known financial institutions as well as through our extensive learning and development programs.
 
 
 Advise clients on a number of credit risk related topics. These areas include:
 
 
 <ul>
 <li>
 Credit risk modelling and validation (incl. Probability of Default and Loss Given Default estimation)
 </li>
 <li>
 Quantitative methods and tools supporting credit risk measurement
 </li>
 <li>
 IFRS 9, Basel IV, BRSA guidelines and other regulatory requreiments
 </li>
 <li>
 Climate related financial risks
 </li>
 <li>
 Credit decision system design &amp; implementation
 </li>
 <li>
 Credit policy development and process enhancement
 </li>
 <li>
 Credit risk monitoring and early warning systems
 </li>
 <li>
 Credit risk measurement (asset and portfolio level)
 </li>
 <li>
 Regulatory reporting
 
 
 </li>
 </ul>
 
 What We Offer You
 
 
 
 At EY, we&rsquo;ll develop you with future-focused skills and equip you with world-class experiences. We&rsquo;ll empower you in a flexible environment, and fuel you and your extraordinary talents in a diverse and inclusive culture of globally connected teams. Learn more.
 
 
 Are you ready to shape your future with confidence? Apply today.
 
 
 To help create the best experience during the recruitment process, please describe any disability-related adjustments or accommodations you may need.
 
 
 
 EY
 
 | Building a better working world
 
 
 EY is building a better working world by creating new value for clients, people, society and the planet, while building trust in capital markets.
 
 
 Enabled by data, AI and advanced technology, EY teams help clients shape the future with confidence and develop answers for the most pressing issues of today and tomorrow.
 
 
 EY teams work across a full spectrum of services in assurance, consulting, tax, strategy and transactions. Fueled by sector insights, a globally connected, multi-disciplinary network and diverse ecosystem partners, EY teams can provide services in more than 150 countries and territories.
</div>

EY Türkiye - Credit Risk Senior Consultant

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