61 Credit Management jobs in Bahrain

Join to apply for the AVP & Lead, Credit Management (Large Corporates) role at First Abu Dhabi Bank (FAB)

Company Description

First Abu Dhabi Bank is an inclusive environment where each person values the experiences, perspectives, ideas, and beliefs of others. We’re in a unique position to learn from all our colleagues, combining international experience with deep cultural knowledge and local expertise. At FAB, you’ll have the support of your team and a strong relationship with your line manager, who will trust you with responsibility and recognize your good performance. As we embrace different ways of seeing the world, listening to each other, and respecting different viewpoints, we grow stronger – together.

Job Description

Job Purpose: The role involves preparing, reviewing, and recommending credit facilities for a portfolio of Large Corporate clients, ensuring compliance with all credit policies and guidelines.

Key Accountabilities:

1. Ensure timely preparation and submission of Credit Applications, including client visits and due diligence in coordination with the coverage team.
2. Coordinate with Relationship Managers ahead of annual review due dates to gather necessary client information for comprehensive credit reviews.
3. Maintain credit processing & approval turnaround times as per SLAs.
4. Regularly monitor accounts and follow-up with Business units on terms and conditions to ensure compliance.
5. Identify potential problem accounts through early warning indicators and liaise with Business Units for corrective actions.
6. Review exception and portfolio reports, keeping abreast of clients' financial standing and market developments to inform risk assessments.
7. Ensure data accuracy in reports presented to stakeholders, including senior management.

Qualifications

Minimum Qualification:

• Bachelor’s degree required.
• Desirable: Chartered Accountant or MBA.

Minimum Experience:

• At least 5 years of relevant banking experience, with a minimum of 3 years in roles of increasing responsibility within Credit Management of Large Corporates.

• Associate

• Full-time

• Finance and Sales

• Banking

• Develop, implement, and monitor credit risk policies and procedures.
• Analyze and evaluate the creditworthiness of corporate and institutional clients.
• Approve or decline credit applications based on risk assessment and internal guidelines.
• Monitor the performance of the credit portfolio, identifying potential risks and implementing mitigation strategies.
• Conduct stress testing and scenario analysis to assess the impact of adverse economic conditions on credit risk.
• Develop and maintain credit scoring models and risk rating systems.
• Prepare regular reports on credit risk exposure and portfolio quality for senior management and regulatory bodies.
• Collaborate with business units to ensure that credit risk is managed effectively at the origination and ongoing monitoring stages.
• Stay current with evolving regulatory requirements and industry best practices in credit risk management.
• Provide training and guidance to junior credit analysts and relationship managers.

• Master's degree in Finance, Economics, Business Administration, or a related quantitative field.
• Minimum of 7-10 years of progressive experience in credit analysis and risk management within the banking sector.
• In-depth knowledge of credit risk assessment methodologies, financial statement analysis, and loan structuring.
• Proven experience in developing and implementing credit risk policies and models.
• Strong understanding of regulatory frameworks relevant to banking and credit risk (e.g., Basel Accords).
• Excellent analytical, problem-solving, and decision-making skills.
• Exceptional communication, negotiation, and interpersonal skills.
• Ability to manage complex projects and work under pressure.

• Developing, implementing, and maintaining credit risk models and scoring systems for various lending products.
• Conducting in-depth financial analysis of corporate and retail clients to assess creditworthiness and determine appropriate risk limits.
• Monitoring the credit quality of the loan portfolio, identifying potential risks and recommending proactive measures.
• Preparing comprehensive credit risk reports and presentations for senior management and regulatory bodies.
• Ensuring compliance with internal credit policies and relevant banking regulations (e.g., Basel Accords).
• Evaluating and advising on the credit implications of new products, markets, and business strategies.
• Collaborating with business units to ensure effective risk management practices are integrated into daily operations.
• Staying abreast of industry best practices and emerging trends in credit risk management.
• Mentoring junior analysts and contributing to the development of the credit risk team.
• Validating model assumptions and performance through back-testing and sensitivity analysis.

• Analyze the creditworthiness of corporate and retail clients, evaluating financial statements, market data, and economic conditions.
• Develop, validate, and implement credit scoring models and risk assessment methodologies.
• Monitor and manage existing credit portfolios, identifying potential risks and recommending mitigation strategies.
• Prepare comprehensive credit reports and presentations for senior management and the credit committee.
• Ensure compliance with all internal credit policies and external regulatory requirements.
• Conduct stress testing and scenario analysis to assess the resilience of the credit portfolio under various economic conditions.
• Stay current with industry best practices, regulatory changes, and emerging trends in credit risk management.
• Collaborate with business development teams to provide expert advice on credit risk implications of new products and strategies.
• Perform due diligence on potential borrowers and existing clients.
• Contribute to the continuous improvement of the bank's risk management systems and processes.

• Master's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field.
• Minimum of 5 years of experience in credit analysis, risk management, or a related financial services role.
• Strong understanding of financial statement analysis, corporate finance, and credit risk principles.
• Proficiency in statistical modeling software (e.g., R, Python, SAS) and data analysis tools.
• Excellent quantitative, analytical, and problem-solving skills.
• Strong written and verbal communication skills, with the ability to present complex information clearly.
• Knowledge of Basel III and other relevant banking regulations.
• Experience with loan origination and portfolio management systems is a plus.
• Ability to work independently and as part of a collaborative team.

• Conduct comprehensive credit risk assessments for corporate and institutional clients.
• Develop, validate, and implement credit risk models, including probability of default (PD), loss given default (LGD), and exposure at default (EAD).
• Monitor and analyze the credit performance of the loan portfolio, identifying trends and potential concerns.
• Perform industry and sector analysis to identify emerging credit risks.
• Review and approve credit applications, ensuring adherence to credit policies.
• Contribute to the development and refinement of credit policies, procedures, and risk appetite statements.
• Conduct stress testing and scenario analysis on the credit portfolio.
• Prepare credit risk reports and presentations for senior management and regulatory authorities.
• Stay abreast of regulatory changes and industry best practices in credit risk management.
• Collaborate with relationship managers and business units to provide risk insights.

• Bachelor's or Master's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field.
• Minimum of 5 years of experience in credit risk analysis, credit underwriting, or a related financial risk management role.
• Strong knowledge of credit analysis principles, financial statement analysis, and cash flow forecasting.
• Experience with credit risk modeling techniques and software (e.g., R, Python, SAS).
• Familiarity with regulatory requirements related to credit risk (e.g., Basel Accords).
• Excellent analytical, quantitative, and problem-solving skills.
• Strong communication and presentation skills, with the ability to convey complex information effectively.
• Ability to work independently and collaboratively in a team-oriented environment.
• Attention to detail and a commitment to accuracy.

• Conduct thorough credit analysis of new and existing corporate clients.
• Evaluate financial statements, cash flows, and collateral to assess credit risk.
• Develop and maintain credit risk models and scoring systems.
• Monitor the credit performance of the bank's loan portfolio, identifying early warning signs of distress.
• Prepare credit proposals and present recommendations to credit committees.
• Set and monitor adherence to credit limits and policies.
• Conduct industry and economic analysis to inform credit risk assessments.
• Ensure compliance with the bank's credit policies and regulatory requirements.
• Assist in the development and implementation of new credit risk management strategies.
• Stay updated on market trends and best practices in credit risk management.

• Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field.
• Professional certification (e.g., CFA, FRM) is a plus.
• Minimum of 5 years of experience in credit analysis or credit risk management within the banking sector.
• Strong understanding of financial statement analysis, accounting principles, and financial modeling.
• Proficiency in credit risk assessment techniques and regulatory requirements (e.g., Basel II/III).
• Excellent analytical, problem-solving, and communication skills.
• Experience with credit risk management software and databases.
• Ability to work effectively in a team environment and manage multiple assignments.

Career Opportunities with Avana Companies

A great place to work.

As a people-first organization, AVANA Companies is the sum of our team members. Our team is the heart of our organization, across all our brands. Given everything they bring to the table, our goal is to enrich their lives as much as we enrich the lives of our clients and partners. At the end of the day, our passion is our people, and our purpose is to deliver Capital for a Better Tomorrow. As a united team, we passionately pursue that purpose – ultimately creating a lasting impression on our own lives and the lives of people around the world. We’re lucky that every day we get to collaborate and work together to accomplish that. It’s one of the many factors that make us a family of companies.

Want to learn more about how you can join our family? View our openings below and be sure to check back often, as our family is constantly growing!

Mission:
The mission of a Credit Analyst, known internally as Portfolio Management Officer, is to monitor assigned loans within the loan portfolio ensuring accurate risk ratings are assigned, identifying early warning signals and recommending appropriate action. Portfolio Management Officers also monitor and administer construction loans in accordance with standards outlined in credit policy. By doing this, they ensure the stability, profitability, and regulatory compliance of the loan portfolio while effectively managing risk and maximizing shareholder value.

Key Results

• Maintain 90% compliance rate for loan reviews
• QC and process construction draw requests within 5 business days of receiving the inspector’s final report
• Ensure 100% of loan extensions are processed, or loan is handed over to Special Assets, prior to loan maturity

Core Competencies

• Analytical Thinking
• Attention to Detail
• Collaborating with Others
• Decision Making
• Problem Solving

Responsibilities

• Conduct periodic credit risk analyses of assigned loans within the loan portfolio, ensuring accurate risk ratings are assigned.
• Engage with clients proactively and independently to gather the information necessary to complete analyses and make informed decisions.
• Draft and present clear credit in written loan reviews that accurately capture the credit risk of each loan including the financial capacity of the borrower, the performance of the property and the current value of collateral.
• Utilize US-based resources to assess risk exposure within the loan portfolio, including probabilities of default and loss given default.
• Monitor the performance of assigned loans within the loan portfolio, identifying early warning signals and recommending appropriate action.
• Conduct industry research and analysis to understand market trends and identify potential risks.
• Monitor and administer construction loans, including tracking budgets, monitoring completion schedules, reviewing third-party reports and ensuring draws are funded timely.
• Ensure compliance with all relevant laws, regulations and internal policies.
• Communicate effectively with internal stakeholders to provide updates on portfolio performance and risk trends.
• Stay informed about changes in regulatory requirements and industry best practices to maintain compliance and mitigate legal and regulatory risks.
• Travel may be required for training purposes.

Requirements

• Minimum 3 years of experience in commercial lending, preferably with a focus in commercial real estate and hospitality
• Bachelor's degree in Finance or Accounting with a strong academic record
• Strong analytical skills with the ability to interpret complex financial data and identify key risk factors
• Ability to work independently with minimal supervision
• Strong attention to detail and ability to identify discrepancies in data
• Proficiency in financial software, data analytics tools, and spreadsheet applications (such as Excel)
• Excellent verbal and written communication skills in English with the ability to articulate findings and recommendations effectively and concisely
• Ability to work in a fast-paced and multi-national environment
• Ability to multi-task, solve problems and think quickly
• Willing to work US hours (i.e. 4:00 pm to 1:00 am Bahrain Time)

Mission:
The mission of a Credit Analyst, known internally as Portfolio Management Officer, is to monitor assigned loans within the loan portfolio ensuring accurate risk ratings are assigned, identifying early warning signals and recommending appropriate action. Portfolio Management Officers also monitor and administer construction loans in accordance with standards outlined in credit policy. By doing this, they ensure the stability, profitability, and regulatory compliance of the loan portfolio while effectively managing risk and maximizing shareholder value.

Key Results

• Maintain 90% compliance rate for loan reviews
• QC and process construction draw requests within 5 business days of receiving the inspector's final report
• Ensure 100% of loan extensions are processed, or loan is handed over to Special Assets, prior to loan maturity

Core Competencies

• Analytical Thinking
• Attention to Detail
• Collaborating with Others
• Decision Making
• Problem Solving

Responsibilities

• Conduct periodic credit risk analyses of assigned loans within the loan portfolio, ensuring accurate risk ratings are assigned.
• Engage with clients proactively and independently to gather the information necessary to complete analyses and make informed decisions.
• Draft and present clear credit in written loan reviews that accurately capture the credit risk of each loan including the financial capacity of the borrower, the performance of the property and the current value of collateral.
• Utilize US based resources to assess risk exposure within the loan portfolio, including probabilities of default and loss given default.
• Monitor the performance of assigned loans within the loan portfolio, identifying early warning signals and recommending appropriate action.
• Conduct industry research and analysis to understand market trends and identify potential risks.
• Monitor and administer construction loans, including tracking budgets, monitoring completion schedules, reviewing third-party reports and ensuring draws are funded timely.
• Ensure compliance with all relevant laws, regulations and internal policies.
• Communicate effectively with internal stakeholders to provide updates on portfolio performance and risk trends.
• Stay informed about changes in regulatory requirements and industry best practices to maintain compliance and mitigate legal and regulatory risks.
• Travel may be required for training purposes.

Requirements

• Minimum 3 years of experience in commercial lending, preferably with a focus in commercial real estate and hospitality
• Bachelor's degree Finance or Accounting with strong academic record
• Strong analytical skills with the ability to interpret complex financial data and identify key risk factors
• Ability to work independently with minimal supervision
• Strong attention to detail and ability to identify discrepancies in data
• Proficiency in financial software, data analytics tools, and spreadsheet applications (such as Excel)
• Excellent verbal and written communication skills in English with the ability to articulate findings and recommendations effectively and concisely
• Ability to work in a fast-paced and multi-national environment
• Ability to multi-task, solve problems and think quickly
• Willing to work US hours (i.e. 4:00 pm to 1:00 am Bahrain Time)

Company Industry:

• Banking
• Broking

Department / Functional Area:

• Finance
• Treasury

Career Opportunities with Avana Companies

A great place to work.

As a people-first organization, AVANA Companies is the sum of our team members. Our team is the heart of our organization, across all our brands. Given everything they bring to the table, our goal is to enrich their lives as much as we enrich the lives of our clients and partners. At the end of the day, our passion is our people, and our purpose is to deliver Capital for a Better Tomorrow. As a united team, we passionately pursue that purpose – ultimately creating a lasting impression on our own lives and the lives of people around the world. We’re lucky that every day we get to collaborate and work together to accomplish that. It’s one of the many factors that make us afamily of companies .

Want to learn more about how you can join our family? View our openings below and be sure to check back often, as our family is constantly growing!

Mission:
The mission of a Credit Analyst, known internally as Portfolio Management Officer, is to monitor assigned loans within the loan portfolio ensuring accurate risk ratings are assigned, identifying early warning signals and recommending appropriate action. Portfolio Management Officers also monitor and administer construction loans in accordance with standards outlined in credit policy. By doing this, they ensure the stability, profitability, and regulatory compliance of the loan portfolio while effectively managing risk and maximizing shareholder value.

Key Results

• Maintain 90% compliance rate for loan reviews
• QC and process construction draw requests within 5 business days of receiving the inspector’s final report
• Ensure 100% of loan extensions are processed, or loan is handed over to Special Assets, prior to loan maturity

Core Competencies

• Analytical Thinking
• Attention to Detail
• Collaborating with Others
• Decision Making
• Problem Solving

Responsibilities

• Conduct periodic credit risk analyses of assigned loans within the loan portfolio, ensuring accurate risk ratings are assigned.
• Engage with clients proactively and independently to gather the information necessary to complete analyses and make informed decisions.
• Draft and present clear credit in written loan reviews that accurately capture the credit risk of each loan including the financial capacity of the borrower, the performance of the property and the current value of collateral.
• Utilize US based resources to assess risk exposure within the loan portfolio, including probabilities of default and loss given default.
• Monitor the performance of assigned loans within the loan portfolio, identifying early warning signals and recommending appropriate action.
• Conduct industry research and analysis to understand market trends and identify potential risks.
• Monitor and administer construction loans, including tracking budgets, monitoring completion schedules, reviewing third-party reports and ensuring draws are funded timely.
• Ensure compliance with all relevant laws, regulations and internal policies.
• Communicate effectively with internal stakeholders to provide updates on portfolio performance and risk trends.
• Stay informed about changes in regulatory requirements and industry best practices to maintain compliance and mitigate legal and regulatory risks.
• Travel may be required for training purposes.

Requirements

• Minimum 3 years of experience in commercial lending, preferably with a focus in commercial real estate and hospitality
• Bachelor's degree Finance or Accounting with strong academic record
• Strong analytical skills with the ability to interpret complex financial data and identify key risk factors
• Ability to work independently with minimal supervision
• Strong attention to detail and ability to identify discrepancies in data
• Proficiency in financial software, data analytics tools, and spreadsheet applications (such as Excel)
• Excellent verbal and written communication skills in English with the ability to articulate findings and recommendations effectively and concisely
• Ability to work in a fast-paced and multi-national environment
• Ability to multi-task, solve problems and think quickly
• Willing to work US hours (i.e. 4:00 pm to 1:00 am Bahrain Time)
• Job : Full Time
• Type : Usually Work From Office, Friday is working and weekly off is on Saturday & Sunday's.
• Holiday: Not Bahrain holidays, it will be mostly US or based on business requirements
• Work Permit: Candidate should have required work permit for Bahrain.