Credit Risk Analyst

Tawteen

Responsibilities:

Strategic:

• Develop and implement credit risk assessment frameworks to ensure sound lending decisions.
• Analyze market trends, industry risks, and macroeconomic factors to assess their impact on borrowers creditworthiness.
• Assist in defining and refining the bank s credit risk policies, limits, and tolerance levels.
• Provide insights to senior management on portfolio risk exposure, concentration risks, and emerging threats.
• Support the adoption of advanced credit risk models and scoring techniques to enhance risk assessment accuracy.

Operational:

• Conduct detailed financial analysis of borrowers, including balance sheet evaluation, cash flow projections, and debt service coverage ratios.
• Assess the creditworthiness of individuals, SMEs, and corporate clients to determine their ability to meet financial obligations.
• Prepare comprehensive credit risk reports and make recommendations on loan approvals, modifications, or rejections.
• Monitor existing credit portfolios to identify early warning signals of potential defaults or deteriorating credit conditions.
• Work closely with relationship managers and credit teams to structure loan proposals in line with the bank s risk appetite.
• Utilize credit scoring models, stress testing, and sensitivity analysis to evaluate potential risks.
• Ensure timely updates of credit risk dashboards and risk analytics reports for management review.

Compliance:

• Ensure all credit risk assessments comply with the Central Bank of Oman (CBO) regulations, Basel guidelines, and internal risk policies.
• Maintain proper documentation of credit assessments, approvals, and risk mitigation strategies for audit and regulatory review.
• Conduct regular credit risk stress tests and scenario analysis in line with regulatory requirements.
• Ensure adherence to AML (Anti-Money Laundering) and KYC (Know Your Customer) guidelines in all credit assessments.
• Collaborate with internal and external auditors to ensure transparency and accuracy in risk reporting.

Skills:

• Credit Reporting Regulations.
• Credit Management.
• Analytical Thinking.
• Financial Risk Management.
• Financial Analysis.
• Portfolio Stress Testing Techniques.
• Lending Regulations.
• Risk Management Frameworks.
• Attention to Detail.
• Valuation Models.