Credit Review Officer

Job description / Role

Credit Review Officer (Riyadh)

Job Purpose:
- Protect the bank assets by ensuring proper pre-sanction appraisal, post-approval administration, ongoing risk identification, monitoring, mitigation and management. Act as support function for independent risk analysis, facilitating booking of good quality assets meeting the bank’s risk appetite.
- Prepare desired reports for Head Office and local authorities.
- Represent the bank in local Credit Committee.

Responsibilities:
- Prepare high quality reviews in a timely manner and ensure approvals are received prior to expiry of valid limits, missing documentation is obtained and limits are established in a timely manner, new proposals should be assessed and CAs prepared in a timely manner..
- Maintain high standard of credit administration to retain/upgrade the credit rating accorded by ICR, external auditors and SAMA requirements.
- Enhance the professional skills of departmental staff through in depth on the job training and assigning them to suitable courses with a view to improve their productivity.
- Ensure all casual excesses are regularized with the stipulated time frame.
- Ensure compliance with stipulated policies and procedures thus ensuring that no adverse audit comments.
- Vet thoroughly all complex documentation prepared for corporate accounts to ensure adequate protection to bank asset.
- Ensure agency desk is administrated in a proper manner , covenants are followed up and deviations are highlighted in their respective CAs.
- Ensure adequate follow exists in respect of classified accounts, PDOs, and inactive accounts with a view to improve collections and minimize losses.
- Prepare market/sector studies as necessary to help identify potential business areas to be exploited and potential risk areas to be avoided.
- Review the credit policies and procedures of the branch from time to time , and ensure that recommendations are submitted for changes if warranted by changes in the environment, markets, laws…etc.
- Function as Branch Credit Committee member to approve/decline CAs..
- Prepare reports on profile review.

Requirements

- Good command of Arabic and English.
- Post graduate degree in Business, Finance and/or Accounting.
- Competent in MS Word and Excel.
- Over 5 years experience with reputable financial institutions in credit appraisal at management level.
- Strong verbal and written communication skills.
- Must be able to make decisions requiring analytical, interpretative, evaluative and constructive thinking.
- Must be able to deal with customers at corporate level with tact and diplomacy.
- Must have good management skills of organisation delegation and trouble shooting.

About the Company

Human Capital House was set up in the year 2013 with a vision to be a progressive talent acquisition partner for organizations within the local and regional market in the Middle East.

As international markets get ever demanding, corporations globally are presented with the challenges of attracting the right talent. Human capital retention and recruitment remain a critical factor to the success of any company. Strategic decision to recruit the right talent is a key issue to organization as wrong candidate selection can potentially be disastrous to their efficiency.

The critical aspect of choosing the right individual with the apt experience and knowledge becomes more crucial as he/she would need to share the ambitions of the employer, while fitting in to the new culture. Human Capital House has both the experience and expertise to help its clients make the right choice of selection. From understanding client requirements, through identifying and assessing the candidates, our systematic approach strives to ensure successful executive recruitment.