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Job Specification

  • Number of Vacancies: 1
  • Job Type: Full-time
  • Experience: 7 to 10 years
  • Job Code: JB102080
  • Expiry Date: Nov 03, 2017

Job Summary

  • Functional Area: Credit Risk
  • Job Role: Senior Credit Risk Analyst
  • Location:  Oman

Job Description

  • To manage the credit risk in assets in the Large corporate, SME, Project finance & Syndication in such a way as to protect the immediate and future profitability of the Bank while obtaining the optimum balance between risk mitigation, business growth, and quality service
Key Responsibilities:

  • Risk policies and Procedures - Develop and implement a Risk management program to introduce policies, procedures and systems to mitigate the Risk to the Bank in the area of Large corporate, Syndications & Project Financing credit
  • Compliance - Ensure compliance with approved Corporate writing standards/ policies, and relevant CBO regulations
  • Upgrade Policies/ Procedures - Continuously provide inputs to improve the credit   process/policies and procedures. 
  • Risk monitoring - Ensure that adequate risk monitoring and portfolio management processes and provide to Head Credit Risk and Head Risk Management, feedback on the health of the portfolio. 
  • Stress Testing - Arrange & supervise Stress Testing on Corporate/Syndications & Project Financing portfolio
  • Portfolio Review - Supervise and Conduct periodic portfolio review
  • Monitoring Problem Credit - Monitor riskier customers by conducting more in-depth investigations on their business operations and to conduct site/factory visits when required
  • Trade Finance Monitoring - Establish within the Bank credit function a process for monitoring LBD and export discounting to identify potential problems, monitoring monthly cash turnover reports and other specific credit reports designed to reveal potential warning signs of credit difficulties. 
  • Remedial - Assume relationship responsibility for accounts where specific provision has been made. Specifically to be responsible for arranging strategies and action plans with senior managements of the bank to take whatever remedial action is appropriate in order to maximize the recovery of the Bank’s assets.
  • Monitoring all classified accounts with a view to minimize substandard debts and provision and prevent loss from bad debts and to minimize credit losses and enhance recoveries for the Bank by monitoring high risk, watch list and non- performing accounts with a view to recover such debts by either satisfactorily implementing an exit strategy or returning them back to the corporate portfolio which may include “nursing” when bank decides to try and allow the customer to trade out the problem.
  • Loan Approval - Exercise senior level loan approval discretion.
  • AML Procedures - Ensure that AML procedures are in place and are complied with.
  • Loan Review - Exercise senior level loan review discretion
Skills and Qualifications:
  • University Degree ( finance or Accounting )
  • 7 – 10 years in Credit Risk or Risk Management
  • Thorough understanding of the Bank’s Lending Credit Policies.
  • Strong team building & motivational skills
  • Excellent interpersonal, negotiation, presentation and rapport building skills
  • Good business and market awareness
  • Sound decision making and problem solving skills 
  • Strong financial analytical skills
  • Proven competence in facility structuring