Act as the independent credit voice on corporate lending requests, and on any retail applications that require exceptions, signing off within your approval limits or referring them upward with a clear view.Produce in-depth credit evaluations that weigh up the borrower s profile, sector and jurisdiction exposure, financial strength, repayment ability and security package, and determine the appropriate internal risk grade.Propose practical ways to strengthen weaker proposals, such as enhanced collateral, revised structures or tighter covenants, and decline exposures that don t meet the bank s standards.Keep every credit decision consistent with the bank s risk appetite, internal lending policies and Central Bank of Oman regulations.Manage and mentor a team of credit professionals by allocating work, reviewing output, building capability and preparing team members for greater responsibility.Work hand in hand with coverage and relationship teams so that credit applications move efficiently and agreed service timelines are met.Help shape and monitor performance measures for the function, and look for opportunities to make credit processes leaner and more effective.Represent the credit function in dealings with regulators, auditors and Compliance, and drive timely resolution of any issues they raise.Promote a robust risk and control culture, supporting operational risk, conduct and governance frameworks, and help deliver credit training to business colleagues.
A degree in a numerate or business discipline such as Finance, Economics or Mathematics. A postgraduate degree or a recognised professional qualification (CFA, PRM or CPA) would be advantageous.8+ years in a large banking environment, including at least 2 years leading or supervising people within credit risk.Strong corporate credit analysis background, with confidence in interpreting financial statements, cash flows and sector dynamics.Good working knowledge of Basel principles, IFRS, banking products and financial markets. Familiarity with credit modelling, VaR or other quantitative risk tools would be a plus.An effective leader and communicator, fluent in English with Arabic a strong advantage, who can handle large data sets and challenge the business constructively.
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