Senior Credit Underwriter

Arab Banking corporation; Manama; On-site; BHD 120,000 - 180,000; Full time

Job summary

Arab Banking Corporation in Manama seeks a seasoned Corporate Credit risk professional to support the Group Chief Credit Officer. The role focuses on independent monitoring, evaluating credit risk for new and existing borrowers, and ensuring alignment with risk appetite policies.

You will prepare clear recommendations to credit committees, ensure timely credit proposals and underwriting documentation, monitor country developments, and contribute to policy development.

Qualifications

• Bachelor's degree required; MSc/MBA preferred and advantageous.
• 10+ years of experience, preferably with an international bank.
• Strong credit analytical skills and knowledge of accounting principles.
• Understanding of corporate and bank balance sheet analysis techniques.
• Familiarity with bank lending policies and credit product risks.

Responsibilities

• Evaluate the credit risk of new business and periodic reviews of existing clients.
• Provide clear, timely recommendations to the appropriate credit committee with mitigations.
• Submit credit proposals within GCC timelines and establish underwriting procedures.
• Ensure CAF documentation covers outstanding items and risks are mitigated.
• Monitor developments in the countries covered and conduct portfolio reviews.
• Assist in development of credit risk policies, standards, and procedures.

Skills

Credit analysis

Financial statement analysis

Banking products and services

Risk assessment

Lending policies

Regulatory compliance

Analytical thinking

Education

Bachelor's degree

MSc/MBA preferred

Job description

Responsibilities of the role

Reporting to the Group Chief Credit Officer the job holder will be responsible for Supporting promoting monitoring and controlling on an independent and ongoing basis the Bank s pursuit of good quality loan and other risk assets within the Corporate Credit portfolio Evaluating the credit risk of new business and the periodic risk review of existing clients and ensuring these are aligned with risk appetite policies and procedures Responsible for making a clear and timely recommendation to the appropriate credit committee with key risks clearly highlighted along with mitigation available Timely submission of credit proposals in line with prescribed timeframe for GCC submission Establish clear procedures for the underwriting process Ensuring that any documentation outstanding on the OOO Out of Order report is covered in the CAF and reasons provided to mitigate any potential risk Monitoring developments in the countries he she covers There is an expectation of travel to the countries if the GHCCU required job holder to do so to undertake portfolio reviews Ensuring adherence to Group s Risk Appetite Statement Group Credit Policy Standards and related procedures Providing support in terms of interpretation of the Group Credit Policy its related Standards and Procedures Conducting regular portfolio reviews of various corporate obligors understand review interpret and adopt all Credit policies and procedures Escalate key risk issues related to the credit portfolio constituents From time to time the job holder will be required to deliver reports on sectors within a country or assist in the compilation of a wider report across many jurisdictions Providing assistance and support as part of the general day to day business and on CRG s transformational projects Ensuring that they are receiving appropriate training from either internal or external sources The CCU must attend at least one course per annum from an external provider and take regular internal seminars or presentations from subject matter experts Minimum of a Bachelors degree. A postgraduate MSc/MBA degree &/or professional qualification is a plus/preferred and an added advantage At least 10 years preferably with an international bank demonstrating some mobility Knowledge of accounting principles, financial statement analysis, banking products and services with strong credit analytical skills. Good knowledge of vanilla credit product risks and key aspects of legal documentation. Good knowledge of corporate and bank balance sheet analysis techniques Good understanding and familiarity of the Bank/Corporate and FI market, credit products. An understanding of the Bank s lending policies, procedures, and practices. Should possess good analytical skills and awareness of various financial products / services. Should have good analytical skills to analyze Banking Industry and analyze individual bank s capital, asset quality, profitability, and liquidity. Participate in the development of credit / risk management policies, standards, procedures, and processes Share