Dubai - Credit Support Officer

Job description / Role

Banking - Corporate

Bank ABC seeks to recruit a Credit Support Officer in the Head Office Credit Department based in our Head Office, in Bahrain.

The Credit Support Officer will be a second line of defense. The role will mainly comprise the following categories:

• Credit Support
• Credit Reporting & MI
• Portfolio Activity
• Risk-related project management
• Developmental

Responsibilities of the role:

Reporting to the Head of Policy, Procedures, Portfolio Review & Credit Support, the job holder will:

Effective support for GCC CAF processing & pre-GCC / GCC meetings:

• Timely circulation of Credit Application Forms (CAFs), tracking, follow-up and completion of GCC/HOCC voting process. This includes CMS, printed or email CAFs;
• Manage GCC committee diaries and agendas. Collating material for voting members and other logistic support;
• Maintain GCC meeting minutes and support for the same;
• Maintain GCC Action Points and periodic updates including follow through with action owners; and periodic reporting to GCC on action items and escalation as appropriate.

Timely, accurate and complete Credit Reporting & MI:

• Monitoring and reporting of large exposures;
• KRIs/KPIs and ARC objectives reporting;
• Annual reviews tracking and follow-up;
• GCC action point reporting, follow-up and update;
• Support CBB quarterly submissions;
• Concentration thresholds monitoring report;
• Different portfolio cuts - such as: Top Names, Private Corporates, SMEs and Names of Concern. Risk Ratings & IFRS staging trends and migration;
• Support any ad-hoc portfolio review or MI reporting, as and when required;
• Assist in the update of data (e.g. CMS), as and when required; and
• As and when required, act as the key liaison between the Credit Risk Management, Group Finance, Group Ops, and Wholesale Banking reporting teams and Group Credit.

Effective Portfolio Review & Credit Support:

• Manage Group Credit Monitoring & Portfolio Forums, and any other ad-hoc meetings, forums and committees (including key activities such as: agenda, action points & minutes);
• Assist with country limits adjustments and updates;
• Timely and accurate generation of portfolio dashboards and relevant reporting;
• Assist with the design of Power BI portfolio dashboards and risk reporting;
• Assist with implementation & update of credit & risk PSPs and communication to the units;
• Escalation and follow-up of past due payments and any other account irregularities;
• Assist with management of service subscriptions, such as Rating Agencies contract;
• Assist with Audit, GAQR, RCSA, OP Risk, IFRS 9, Group Credit, IFRS 9 requirements, reports & issues, ensuring timely submission & closure; and
• Administrative support for the sourcing and consolidation of Accounts Requiring Close Monitoring (ARCM) returns, Stage 3 and Stage 2 names, extracting trends and top names;

Employee engagement, projects & development:

• Ensure completion of all mandatory courses and at least participated in one project;
• Support the wider CRG team to deliver the overall department objectives;
• Ensure regular, open and transparent discussion regarding achievements and development areas for both deliverables (what) and behaviours (how) throughout the year;
• Ensure the code of conduct, regulatory conduct rules and the bank's values are role-modelled and reinforced within the team at all times;
• Ensure appropriate team coverage, handover & back-ups in case of absence;
• As and when required, support credit and risk projects from the reporting, procedures, UAT testing and governance scheduling point of view;
• Seek out feedback and act upon it;
• Ensure own skills are current and that courses are completed on areas requiring development; and
• Ensure that the reporting and governance structures are maintained at all times.

• Eight years in banking of which at least the last four years should be in a retail portfolio management role involving developing credit MIS reports;
• Three to five years' experience, preferably with an international bank;
• A minimum of bachelor's degree with an element of MIS, finance or equivalent;
• Professional certificate in risk is preferable;
• Good organization skills to efficiently handle committee logistics, manage requests from credit & business, and ensure timely reporting, escalation, and follow-up;
• Good knowledge of credit systems and risk reporting;
• Understanding of credit and business functions and relevant processes;
• Proficiency in Microsoft Office suite, such as use of Excel and PowerPoint, and preferably Power BI;
• Good understanding of key risks and relevant data points;
• Good data analytical skills, including data manipulation and visualization;
• Understanding of the content, origination, preparation and publication of reports produced in the bank impacting on credit risk.

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