To support credit manager analysis, to plan, coordinate and control all lending activities to minimize credit risks.

Responsibilities

Analyze credit propositions as allocated and recommend for approval

Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them

Preparing reports about the degree of risk in lending money to clients

Responsible for identifying and reporting potential and actual Money Laundering Risk, including suspicious transactions in accordance with the laid down AML policies & procedures.

Main Activities

Reviewing assigned files for compliance of the approval conditions

Assess temporary credit requests and recommend for approval

To perform any other duty as assigned in line with the organization goals and objective

Filling out loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to the respective people for their approval

Maintain relations with the client, as necessary and continuous monitoring of the activities for the approved credits, according to the procedures established by Bank

Ensure client covenant compliance in line with loan agreement/approved terms and conditions.

Support the execution of “due diligence” of businesses in every stage of the loan’s application, to ensure well-informed decision-making and qualification of the risk involved.

Identification of areas of weaknesses during credit analysis and mitigating credit risk appropriately for strong cases which are outside policy.

Maintain a good working knowledge of the Bank’s lending policies and procedures and identify exceptions to policy.

Achieve Turn-Around-Times (TATs) as per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Credit Risk from branches and subsidiaries

Qualifications

University degree (MAKIB or CPA (AA)