About the job

Our Client

A leading commercial bank are seeking to recruit a skilled and experienced Credit Manager with expertise in wholesale banking. The Credit Manager will be responsible for managing the credit risk within the wholesale banking division, ensuring compliance with regulatory guidelines, and providing guidance to the credit risk team.

Key responsibilities

• Credit Assessment: Evaluate creditworthiness of wholesale banking clients by analyzing financial statements, cash flows, market conditions, industry trends, and other relevant factors.
• Risk Analysis: Conduct comprehensive analysis of credit risks associated with various wholesale banking transactions, including loans, trade finance, project finance, and structured finance.
• Credit Authorizations: Make informed credit decisions, authorize credit limits, and ensure adherence to the bank’s credit policies and procedures.
• Portfolio Management: Monitor credit exposures and identify potential risks and opportunities to optimize the bank’s wholesale banking portfolio.
• Credit Documentation: Oversee the creation, review, and maintenance of accurate and complete credit files, ensuring compliance with internal and external regulatory requirements.
• Relationship Management: Collaborate with Relationship Managers to understand client needs, assess credit requirements, and negotiate credit terms.
• Team Oversight: Supervise, train, and mentor the credit risk team in order to enhance efficiency and effectiveness.
• Compliance: Ensure compliance with local and international regulatory requirements such as Basel III, IFRS 9, and other relevant regulations applicable to wholesale banking.

Your Qualifications

• UAE Nationals may only apply to this position
• Bachelor’s degree in finance, accounting, economics, or a related field. Additional certifications such as CFA, FRM, or credit industry-specific certifications will be a plus.
• Minimum of 2 years of wholesale banking experience, with at least 5 years in a credit management role.
• Profound understanding of credit analysis techniques and risk assessment methodologies, with a track record of making sound credit decisions.
• knowledge of wholesale banking products and services, including traditional and structured financing solutions, trade finance, project finance, and syndication.
• Familiarity with local and international banking regulations, including Basel III, IFRS 9, and credit risk management frameworks.
• Proven ability to lead and motivate a team, foster a collaborative work environment, and manage multiple priorities effectively.
• Excellent verbal and written communication skills in English and Arabic.
• Strong proficiency in MS Office applications, credit risk management software, and other relevant banking systems.

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