Credit Risk Manager

15 hours ago

Karachi, Sindh, Pakistan beBee Careers Full time
Senior Credit Specialist

We are seeking a highly skilled Senior Credit Specialist to join our team.

About the Role

The Senior Credit Specialist will be responsible for evaluating and managing credit proposals originating from multiple countries. This includes detailed risk assessment, coordination with local teams to enhance credit submissions, clear communication of credit decisions, and ongoing follow-up on committee actions.

Main Responsibilities
  • Credit Proposal Assessment:
  • Review and analyze credit proposals from various countries, including analysis of financial statements, credit history, risk acceptance criteria, and risk mitigation to assess creditworthiness and compliance with Group standards.
  • Prepare concise and insightful presentations of credit proposals for senior management, highlighting key financial metrics, risk exposures, and recommendations.
  • Ensure that identified issues are highlighted to credit decision makers and that credit decisions are based on full and accurate information.
  • Liaison and Support:
  • Work closely with credit teams in various countries to improve the quality of their credit packages and ensure they meet minimum expectations.
  • Provide guidance on information gaps and required enhancements to credit submissions.
  • Assist in planning timely presentations to credit decision makers to meet client expectations.
  • Assist in organizing annual country credit review sessions, ensuring presentations meet Group standards and cover critical portfolio highlights.
  • Committee Administration:
  • Assist in scheduling and organizing committee meetings.
  • Draft accurate and comprehensive minutes of committee meetings, capturing decisions, action points, and rationales.
  • Communicate committee decisions and feedback to relevant teams in a timely and professional manner.
  • Action Point Follow-Up:
  • Track outstanding action items arising from committee meetings and coordinate with teams to ensure timely resolution and closure.

This is an exciting opportunity for a seasoned credit professional to join our team and contribute to the success of our organization.

Requirements
  • A bachelor's degree in Finance, Accounting, Business, or a related discipline; a professional qualification (e.g., CFA, ACCA) is an advantage.
  • Minimum 7 years of experience in credit analysis or credit risk management, preferably in a multinational banking environment.
  • Strong analytical skills, including financial ratio analysis, cash flow assessment, and risk evaluation.
  • Excellent written and verbal communication skills in English, with the ability to present complex information clearly and concisely.
  • Proficiency in Microsoft Office (Excel, Word, PowerPoint); experience with financial modeling and credit risk software is desirable.
  • High attention to detail, strong organizational skills, and ability to manage multiple priorities under tight deadlines.
  • Critical thinking and sound judgment.
  • Stakeholder management and relationship-building.
  • Problem-solving and adaptability.
  • Integrity and adherence to high ethical standards.
About Us

We are a leading organization in the financial industry, dedicated to providing exceptional services to our clients.

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