Credit Risk Manager jobs in United States

Job Purpose

The Credit Manager is responsible for evaluating, structuring, and recommending credit proposals in line with the bank’s credit policy and regulatory guidelines. This role ensures the quality of the credit portfolio by conducting thorough risk assessments and monitoring exposures, primarily within the corporate and institutional banking segments.

The role also plays a key part in enhancing the efficiency of credit processes through automation and digitization.

Key Responsibilities & Accountabilities

1. Evaluate and analyze credit proposals from corporate, government related, and private banking clients.
2. Conduct due diligence and financial analysis including cash flow, collateral, and business model reviews.
3. Ensure credit recommendations are in compliance with the bank’s risk appetite and UAE Central Bank regulations.
4. Prepare and present credit reports and recommendations to the local credit committee.
5. Monitor the performance of the credit portfolio to identify early warning signs and take preventive measures.
6. Review periodic credit reviews and risk grading of existing clients.
7. Contribute to the development and enhancement of credit policies, procedures, and risk frameworks.
8. Liaise with auditors and internal compliance to ensure adherence to governance standards.
9. Work closely with Relationship Managers to structure appropriate credit facilities.
10. Coordinate with Credit Admin and Legal departments for seamless credit processing and documentation.
11. Undertake credit due-diligence meetings with clients as and when needed.
12. Contribute to overall improvement in the process of credit risk management division.

Qualifications & Experience

• Strong financial and credit analysis skills
• Deep understanding of UAE /GCC banking regulations and credit markets
• Tech-savvy with experience in digital tools, workflow automation and data analysis
• Effective communicator with excellent presentation and stakeholder management skills
• Minimum bachelor’s degree in commerce, Finance, or Economics. Additional professional qualification like CFA / FRM preferred.
• Communicates in English (verbal & written). Arabic is a plus.

Skills

• Strong Communication & Interpersonal Skills
• Strong Presentation Skills
• Problem Solving skills
• High Level of Analytical Ability

Competencies

• Workload management
• Ability to deal at all levels

Critical Success Factors

• Technical knowledge
• Knowledge of local market, trends, and competition
• Access to risk managers in the UAE banking sector.
• Building/Maintaining Strong Relationships through the Risk / Credit Analyst team.

Preference is given to candidates in the UAE with UAE banking or financial services experience.

If you meet the above criteria, please send your application and CV to recruitmentuae@nbk.com.

Due to a high volume of applications we receive, only shortlisted candidates will be contacted for an interview.