Credit Risk Manager

The Credit Risk Manager is responsible for the credit risk assessment and management process within the organization.

This role ensures that the company maintains a healthy credit portfolio by identifying, analyzing, and mitigating potential credit risks while ensuring compliance with regulatory guidelines and internal policies.

Key Responsibilities:- Risk Assessment: Evaluating the creditworthiness of potential borrowers by analyzing financial statements, credit reports, and market conditions.- Policy Development: Developing and implementing credit risk policies and procedures to minimize losses and ensure compliance with regulatory requirements.- Portfolio Management: Monitoring and managing the bank’s credit portfolio to identify and mitigate potential risks.- Reporting: Preparing detailed risk reports for senior management and regulatory bodies, highlighting key risk exposures and trends.- Stress Testing: Conducting stress tests and scenario analyses to assess the impact of adverse economic conditions on the bank’s credit portfolio.- Collaboration: Working closely with other departments, such as underwriting, finance, and compliance, to ensure a cohesive approach to risk management.- Regulatory Compliance: Ensuring that all credit risk management practices adhere to relevant laws, regulations, and industry standards.The role requires strong analytical skills, attention to detail, and a deep understanding of financial markets and regulatory environments.

• BS degree in Finance, Statistics or related field.- More than +7 years’ experience.- Credit certification:*Credit Business Associate (CBA).
• Commercial Banking & Credit Analyst (CBCA).
• Certified International Credit Professional (CICP).
• Chartered Financial Analyst (CFA).
• Certificate in International Credit and Trade Finance (CICM).
• Certificate in Credit Analysis (CCA)..
• Moody's Analyst Certification (MAC).
• Corporate Finance and Credit Professionals (CFCP).
• Financial Risk Manager (FRM).
• Certified Financial Risk Professional (CFRP).- Male is Preferred- Up to date with legal, compliance and market risk related issues.- Ability to analyze cash flows, leverage, collateral and customer strength.- Strong communication and presentation skills.- Excellent organizational, analytical, and time-management skills.KPIs:- Default Rate < 3 %- Ability to process file within 3 working Days from receiving all doc & credit meeting.