HeadofCreditAnalysis - 464537

  • HeadofCreditAnalysis Jobs in Kuwait - 464537

تسجيل الدخول للتقديم سجل و قدم

المسمى الوظيفي

To lead, develop & implement credit policies & procedures for Wholesale Banking by ensuring independent unbiased financial analysis & reviews of Credit Approval Memoranda (CAM) for the aim of minimizing the credit risk exposure of the bank Direct the credit analysis team to effectively support the business objectives of Wholesale Banking by identifying the principal risks within the various credit proposals

Contribute & provide inputs to the development of the overall Wholesale strategy in line with the overall business objectives
Manage the effective achievement of credit analysis objectives through setting individual objectives, managing performance, developing & motivating staff, provision of formal & informal feedback & appraisal in order to maximize subordinate & the overall performance
Credit Policies & Procedures
Own & recommend policy, procedures & direct the implementation of procedures & controls covering all areas of credit analysis activity so that all relevant procedurallegislative requirements are fulfilled while delivering a quality, cost-effective service
Organisation Structure
Recommend an optimum organisation structure for Credit analysis function in coordination with Organizational Effectiveness & Strategic Manpower Planning so that resources are optimally utilized & communication can take place in an efficient manner
Budgets & Plans
Prepare & recommend the budget & monitor financial performance versus the budget so that the business is aware of anticipated costsrevenues, & areas of unsatisfactory performance are identified, rectified promptly & potential performance improvement opportunities are capitalized upon
Credit Analysis Review
Undertake the necessary initiatives in order to ensure that independent unbiased credit analysis is undertaken to reduce risk exposure
Review credit proposals & financial information of customers from Corporate & SME Banking & ensure that these proposals adhere & comply with the set credit policies & guidelines
Review & finalise the reports on the customers financial health, credit worthiness, risk contingencies & limits based on the financial analysis provided by the analyst
Credit Approval Memoranda (CAM) Review
Advice Heads of Corporate Banking & SME Banking on policies & procedures related to quality standards & completeness criteria of Credit Approval Memoranda (CAMs)
Ensure quality & completeness of all CAMs before they are sent for Credit Review
Support RMs in preparing credit packages & credit approval memoranda by ensuring all the necessary financial analyses is conducted on the customer financial situation & credit worthiness
Oversee the CAM reviews for Wholesale Banking customers & ensure that all necessary documentations are in place
Participate in the Credit committee for review & approval of credit proposals
Credit Requests
Approve credit requests that are within authority levels as per the pre-defined & pre-approved criteria in order to facilitate the smooth running of operations
Continuous Improvement
Motivate subordinates & contribute to the identification of opportunities for continuous improvement of systems, processes & practices taking into account international leading practice, improvement of business processes, cost reduction & productivity improvement
Quality, Health, Safety, & Environment
Ensure compliance to all relevant quality, health, safety & environmental management procedures & controls across the function to guarantee employee safety, compliance, delivery of high quality productsservice & a responsible environmental attitude
MIS & Reports
Supervise the preparation of timely & accurate Credit analysis MIS statements & reports (in coordination with business coordination unit) to meet the company & Wholesale banking requirements, policies & standards

ملخص الملف

Type:Company Job

Eligibility:Bachelor's degree / higher diploma




Function:Secretary / Front Office / Data Entry

Deadline:19th Feb 2025

ملف الشركة

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