Credit Risk Manager One Vision for Consultancy

Our client, a financial institution has a vacancy for their Bahrain office.

Drafted / reviewed Credit Frameworks and Policies and be able to list what goes into a credit framework; things like: Standards, regulations, delegation limits, risk appetite, etc.

· Challenge credit decisions and not just review credit applications as part of a checklist (e.g. instead of checking whether the application is within the approval limit, able to justify the rationale or the logic of the approval / recommendation, etc.) through providing a review of underwriting quality, review cycles, rating accuracy, documentation quality, etc.

· Understanding of credit models , e.g. PD, LGD, EAD, provisioning rules, etc. Able to validate the same and not take the feedback of another department / area as is.

· Be involved or have an understanding of credit portfolio management, e.g. concentrations, early warning signals, trends, weak sectors, sovereign risk, etc. and be able to raise flags.

· Sufficient understanding of what stress test / scenario analysis is.

· Understanding of what a credit risk appetite is and should be able to design reports around it.

· Experience of presenting to credit committees and regulatory engagement is desired.