Senior Credit Analyst, Wholesale Banking

3 days ago

Manama, Bahrain Arab Banking Corporation Full time

ABC seeks to recruit a Senior Credit Analyst in the Wholesale Banking Department.

The Credit Analyst will be responsible to support the Corporate Banking Relationship Management team with all Credit, Portfolio Monitoring and Administrative Tasks.

**Responsibilities of the role**:
Job Holder is primarily responsible for delivering credit support solutions to Corporate Banking coverage team. Specifically, assist line manager / unit in the core deliverables of Client Credit Management by:

- Creating credit spreads and calculations on financial statements and related information for new to bank and existing clients using relevant systems and software.
- Performing comprehensive analysis of new credit requests, credit change requests, renewals and annual reviews in co-ordination with the Relationship Manager in the Front Office.
- Developing in-depth knowledge of the sector they are supporting.
- Preparation of various types of Credit Applications and related summary term sheets.
- Raising of waiver requests stemming from deviations to bank policies, standards and procedures (e.g., Wholesale Banking Policy, Credit Policy and standards, Credit / Legal Documentation Policy etc.) approved conditions and covenants (includes conditions precedent and subsequent).
- Earmarking of limits and subsequent reinstatement or lapsing (as appropriate)
- Structuring of credit facilities and related transactions.
- Building and maintaining a portfolio-wide database to capture the day-to-day management of Approval conditions and agreed covenants.
- Tracking and reporting of all unit related deliverables, KPI’s and KRI’s
- Ensuring Facility and Security documentation are prepared in accordance with credit approvals, Credit/Legal Documentation policy and Department procedures.
- Ensuring follow-up and satisfaction of conditions precedent and subsequent to facility utilization.
- Tracking and reporting the status of conditions precedent and subsequent documents and highlight exceptions to line manager.
- Preparation of periodic reports as well as any MI reports for the department.

The job holder will also be required to assist department by:

- Performing all tasks in the capacity of a Maker.
- Assuming the role of a Joint Custodian in the Safe Custody Management Process, as and when nominated.
- Ensuring all processes and procedures are adhered to at all times.
- Escalating risks/issues through the line manager for timely resolution.
- Assisting in the development and ongoing maintenance of an activities Dashboard.
- Serving as a central point of client interactions by handling, resolving and escalating day-to-day administrative queries and complaints, as appropriate, by liaising with various stakeholders.
- Partaking in planned and ad-hoc departmental projects.
- Punctual delivery of all returns and requested services.
- Improving processes, time to market and provide a best-in-class client experience while adhering to internal and external Client expectations.
- Developing and maintaining cordial relationships with internal as well as external customers.
- Demonstrating openness and positive attitude towards criticism.
- Completing smooth periodic performance reviews with the line manager and assigned training programs.

**Areas of Knowledge, Qualification and Experience**
- 5-7 years of experience in portfolio analysis, credit or audit with large regional or global financial institutions.
- A minimum of a Bachelors degree, preferably in economics, commerce, finance. Professional Certification is an added advantage (ACT, CFA, CMA, CPA, etc.)
- Ability to solve problems and escalate to higher levels (as appropriate) and get along with people amicably.
- Good understanding of Wholesale banking products.
- Good knowledge and understanding of Credit, AML and Operations management.
- Fair working knowledge of Loan Documentation, Syndication Loan Structures, Commercial Contracts, Trade Finance, Credit Risk, KYC and Banking terminology including standard loan covenants.
- Good background in performing credit analysis of Corporations.
- Solid computer skills with capability to use spreadsheets, graphic and presentation packages to review and create professional materials
- Possess exemplary ethics, integrity, confidentiality, diplomacy and resilience under all circumstances.
- Proactive, precise, highly motivated and able to adapt and thrive within the bank’s culture
- Be an effective communicator and be able to deal with all levels of management.
- Have excellent inter-personal skills to be able to manage and resolve difficult situations.
- Be methodical, detail-oriented and well-organized towards everyday tasks.
- Be punctual and priority conscious.
- Customer service oriented.

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