Key Accountabilities:

• Credit Proposals: Assist Account Managers when required to complete credit application proposals, renewals, and memos.  Track the submission process of credit applications with internal stakeholders.

• Portfolio MIS and Reporting: Track and report overall departmental credit data, facility utilization, country limits, and exposure limits.

• Deadline Tracking: Manage the calendar for annual reviews and credit expiries, forcing early renewals with account managers.

• Financial Spreading: Input client financial data into bank systems to generate risk ratings.

• Monitoring: Track collaterals, financial covenants, chase clients for compliance certificates, and distribute them to internal risk teams.

• Operational Follow-Up: Coordinate daily account setups, documentation, and transactional requests across operations, legal, and compliance teams.

• Record Management: Maintain organized electronic filing systems for all credit approvals and documentation compliance.

• Exception Monitoring: Monitor accounts for policy exceptions like excesses, overdue items, or document deficiencies, and escalate issues.

• Coordination: Serve as the primary administrative link between the department and middle/back-office teams like KYC, Treasury, and Legal. Serve as primary link with clients to obtain KYC documents for onboarding and KYC renewals.

• Identify sales opportunities and engage with clients directly or with a senior colleague

Education:  

• Bachelor’s Degree in relevant discipline or equivalent experience

• Professional banking qualifications

Knowledge:  

• Knowledge of banking and credit risk principles and processes

• Understanding of DFSA Regulatory policies and rules

• Good understanding of financial statements and credit analysis.

• Understanding of internal risk-rating methodologies and portfolio monitoring.

• Familiarity with facility documentation (LMA Standards), financial covenants and compliance requirements.

Experience & Skills: 

• Minimum 3-5 years of experience in corporate banking/credit analysis 

• Experience of supporting larger clients

• Experience in credit analysis, credit review and portfolio management 

• Strong Excel/MIS and data-management skills.

• Strong organizational skills with particular attention to deadlines, accuracy and follow-up