• 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)