Credit Risk Officer

Job Purpose:

• Assist Credit Risk Manager to manage all aspects of credit risk of the loan portfolio/credit exposure, including review submissions from the business units for new loans, periodic and ad-hoc reviews of existing loans/credit exposure, mainly focus on Commercial & Industrial (C&I), Project Finance, Subscription Financing, and Leverage Lending areas.

Key Responsibilities:

• Perform credit risk assessment of credit proposals and periodic reviews for accuracy and completeness and ensure the underwriting in line with NBK’s policies and procedures and risk appetite.
• Perform independent analysis of the risks of each transaction and submission. Ensure appropriate risk rating.
• Makes appropriate and sound recommendations and issue a credit risk summary as to branch credit proposals to GM/Branch Credit Committee before further circulation to ICC (international Credit Committee) for approval.
• Perform routine and ad-hoc loan reviews to ensure loan portfolio is managed to terms issue recommendation and monitor implementation.
• Prepares periodic Credit Portfolio Analysis & Reviews including sector concentration dashboard, as well as conduct credit risk related administration tasks when required.
• Assist Credit Risk Manager to handle Inquiry/requests request from Head Office and interact with related internal credit auditors and loan reviews and regulatory credit exams when required.
• Ensure adherence to all pertinent laws and regulations governing BSA/AML, CTF, OFAC and the USAPA, as well as all bank policy and procedures governing these topics.
• Successfully complete all assigned training, including HR, ISO, and BSA/AML/OFAC training.

Qualifications and Experience:

• Undergraduate degree; MBA or post graduate degree a plus.
• Formal credit training at a major financial institution is preferred.
• 7-10 years’ experiences in credit, specialized in C&I, Project Finance, Subscription Financing, and Leverage Lending.