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Job Description
Role Statement
- Manages the Credit Control and MIS Section, in the absence of Senior Manager
- Section-in-Charge. Manages and Supervises preparation of Monthly, Quarterly Risk Asset Reports for Group
- Risk Management and Bank Board and Management Reports for new financing, Risk Concentration, Directors and Senior Management exposures.
- Manages and Supervises all works related to preparation of Excess and Past dues daily report, Presentation of risks to the Credit Committee, Credit Evaluation and Classification Committee, Senior Credit Committee and Board of Directors.
- Analyses of Risk Asset Reports, Non-performing Asset Reports, Related Party Exposures and overall bank wide Pricing Trends for Funded Facilities categorized under risk rating scenarios for Group.
- Manages and Supervises the exchange of information on the financial position / credit worthiness of customers on confidential basis.
Principal Responsibilities
- Manages and supervises the preparation of the report on past dues, excesses and over dues and ensures correctness before forwarding to Managers for daily monitoring and rectifying.
- Manages and Analysis various reports received from Financial Division and other system produced reports and ensures correctness to the General Ledger and prepares the Monthly Credit Risk Information Pack and reports on Risk Analysis and New Financing Bank Board, Senior Management and Group.
- Identifies and maintains the Customer Group and Related Party information of all accounts processed and updates them as and when changes take place and advises Financial Division regarding the same for preparation of Risk Concentration Report and ensures adherence with Central Bank and BMA regulations. Advises Senior Management in case of violations.
- Prepares comparative statistic reports on Retail Products based on queries by Group related to Retail NPL, Provisions and Interest in Suspense.
- Manages and supervises preparation of Quarterly Risk Asset Report for Group
- Risk Management and Bank Board.
- Holds meeting with Business Units and Risk Management Managers to discuss the exceptions.
- Develops periodic reports with the help of ASD for daily, monthly and quarterly monitoring of key areas of risk.
- Reviews all Credit Approval Memorandum presented by the Risk Review Managers for Credit Facilities and presents them for approval, according to the authority vested on the Organizational hierarchy.
- Manages and supervises the preparation of the Agenda and files for the Credit Committee Meeting.
- Deputizes the Section in Charge in his absence in all meetings with the Senior Management, Division Head, External Auditors and Central Bank Auditors.
- Establishes liaison/contacts with Risk Management Group at AUB Bahrain related to Credit Approvals, Criticized Risks Reports, Statistics as and when directed by the Section-in-Charge or in his absence.
- Attends the Credit Committee Meetings, as and when directed by the Section Head or in his absence and follow up all works related to it and manage it until finalization.
- Prepares the decisions on CAMs and check the Minutes and supervises the distribution of the approved CAMs and Minutes.
- Manages and prepares circulation sheets for approvals from the Senior Credit Committee members, prepare the SCC Members decisions for documentation and processing.
- Manages and supervises the exchange of information between banks, Embassies, agencies and Certificates for our customers. Ensures correctness on the information provided.
- Updates the import license data on the customer information profile under the flexcube system.
- Prepares various statistical reports related to Expiry Data of customer risks for the Division Head and Credit Committee
Job Requirements
Competencies
- Accepting Responsibility Making Accurate Judgments and Decisions
- Displaying Technical Expertise Acting with Integrity
- Acquiring Information
- Following Policies and Procedures
- Managing Risk
- Supporting Organizational Goals
- Key Work Related Contacts
- Has contact with Relationship Managers, Unit Heads, Division Heads, Central Bank officials, Committee Members, Management and Board members which include Credit Risks involving skill and tact.Freedom to Act
- Reports to Sr. Manager. Credit Control and MIS.
- Performs duties according to established procedures and professional standard.
- Progress of work is reported to the Line Manager on timely basis
- Financial Authority
- None Access To and Use of Confidential Information
- Has access on the complete financial position of commercial customers including bad and doubtful customers. Has access to Central Bank Online system for obtaining information on our customers, if required.Educational Level
- University Degree in Commerce / Accounts / Statistics or equivalent
- Mandatory Certification / licenses
- Experience 10 years experience in relevant work.
- Very good PC skills and very good skills in B.O. Application
