Head of Credit Review Job Manama area,Bahrain,Finance & Banking

The Credit Review will be key function within BDB’s First Line of Defence operating within the Banking Division. The department will be responsible for efficiently managing credit risk across the First Line of Defence (FLOD) i.e. Business. The Head of Credit Review will provide leadership to the team of Senior Specialists and Specialists ensuring highest quality of risk management across the Origination and Evaluation stages of the Credit Cycle.

The role will also ensure adherence to the team develops to become Subject Matter Expert on Credit related matters for the Banking division, ensure credit quality is not compromised and the pricing on the assets is adequate in term of risk adjusted returns.

Key Responsibilities

To assist in the developing and implementing the department’s strategies and objectives.
To implement suitable processes within the Origination and Evaluation stages thereby ensuring the Department adheres to Service Level Agreements (SLA) timelines.
To oversee the diligent credit appraisal and assesses the creditworthiness of both existing and potential new customers by reviewing financial statements and other pertinent information.
To oversee the implementation of Early Warning Signal mechanism and implement suitable process for annual reviews and KYC.
To Participate in Board Investment & Credit Committee and presents Credit Proposals.
To contribute towards enhancing the overall Credit Risk Management Framework including Credit Policy, Risk Appetite and Credit Processes.
To recommend the strategies and course of action to the Senior Management for sensitive investments.
To coordinate and liaise with external parties including customers, other lenders, legal counsel, regulators and auditors.
To define goals and key performance indicators for all direct reports and ensures effective implementation of the BDB performance management process.
To manages the direct reports by evaluating their performance, providing feedback on an on-going basis, identifying development needs and coaching them to ensure capability development.

Job Nature and Working Environment

This is a senior leadership role which will require strong knowledge in terms of all aspects of the Credit Risk Management Framework including risk appetite, policies, procedures and processes across all stages of the Credit lifecycle. The role will involve building strong working relationship with other departments and with key external stakeholders not limited to the Board members, Auditors, Customers and other lenders.

The Head of Credit Review is ensuring the team develops to become subject-matter experts and will represent the department at various forums such as Credit Committees, provide necessary Awareness and Training to RM. The role holder led the department to achieve the Bank’s business objectives without compromising on risk quality.

Qualifications

Master’s degree in finance, Accounting, Economics, or any other related field is a plus.

Professional Certificate

Professional certifications such as ACA, CFA, CPA or other relevant professional qualification is a plus.

Nature or Field of Experience

Relevant experience with a financial institution conducting financial analysis, dealing with banking products and understanding of banking regulations.

Job Specific Skills

Effective verbal and written skills
Effective Analytical Skills
Knowledge of MS Office especially Excel and Power Point

Generic Skills

Leadership, Teamwork, adherence to timelines and communication.

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