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;
Seeking out feedback and acting 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
Areas of Knowledge, Qualification and Experience
8 years in banking of which at least the last 4 years should be in a retail portfolio management role involving developing credit MIS reports
3-5 years’ experience, preferably with an international bank.
A minimum of Bachelors Degree with an element of MIS, Finance or equivalent.
Professional Certificate in Risk is preferrable.
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;
