Sr. Officer - Retail Credit

The Senior Officer role for Retail Banking is within the Bank's Retail Credit Function. The role of the Credit Team is to spread customer financials, monitor covenants, and assist the unit in effective and efficient account/portfolio management. The officer will also take part in development programs that aim to build his/her capabilities towards a career in the Bank.

Job Purpose

The Senior Officer role for Retail Banking is within the Bank's Retail Credit Function. The role of the Credit Team is to spread customer financials, monitor covenants, and assist the unit in effective and efficient account/portfolio management. The officer will also take part in development programs that aim to build his/her capabilities towards a career in the Bank.

Key Accountabilities

1. Proactively develop technical and behavioral competence
2. Build knowledge of the Bank Retail Credit support to various stakeholders
3. Update the TML with new/deleted companies
4. Assist in preparing and conducting the Credit Clinic courses
5. Central Bank Dashboard Retail Credit
6. Overall Retail Credit Collection
7. Assisting RCAP/RMS TML Portfolio Management

Job Context

Our unit is the centralized credit management of all retail products/underwriting/collections. We need to review the quality of the loans granted, the portfolio behavior, and act as guides to various stakeholders.

Education

Minimum University Degree or Higher Diploma

Experience and Skills

Preference for relevant degree (e.g., Finance, Banking, Accountancy, Business, Economics, etc.). New graduates or graduates with up to 2 years of work experience are encouraged to apply. Intermediate MS Office skills are required. Strong written and verbal communication skills are essential, with a preference for native Arabic speakers and fluency in English (spoken and written). Candidates should be natural networkers who can build loyalty and inspire results while handling a challenging and diverse workload. Previous customer service or sales experience will be favorably considered.

Technical Competencies

1. Credit Evaluation and Analysis
2. Basic Verification and Structuring
3. Basic Control and Monitoring
4. Basic Accounting and Financial Analysis
5. Advanced Credit Policies and Compliance
6. Proficient Recovery Strategy and Management
7. Basic NPL Portfolio Management

Behavioral Competencies

1. Change and Innovation - Basic
2. Communication - Basic
3. Evaluating and Solving Challenges - Basic
4. Results Orientation - Basic
5. Working and Collaborating with Others - Basic