Job Purpose To manage and oversee the credit assessment, approval, and portfolio quality of Personal Loan applications, ensuring compliance with the Bank's credit policies, regulatory requirements, and service level standards. The role is responsible for maintaining sound credit underwriting practices while supporting business growth and portfolio profitability.
Principal Accountabilities Credit Assessment & Approval - Review and approve personal loan applications within delegated lending authority.
- Conduct detailed assessment of customer repayment capacity, indebtedness, employment stability, income sustainability, and overall creditworthiness.
- Evaluate exceptions and policy deviations and provide recommendations with appropriate risk mitigants.
- Ensure adherence to internal credit policies, underwriting standards, and regulatory requirements.
- Recommend policy enhancements and risk controls to improve portfolio quality.
- Support credit strategy initiatives to balance portfolio growth and risk management objectives.
- Ensure department Standard Operating Procedures (SOP) are up to date at all times.
- Implement process improvements to enhance credit quality and operational efficiency.
- Support internal and external audits and regulatory reviews.
- Monitor approval quality, deviation trends, concentration risks, and delinquency indicators.
Stakeholder Management - Work closely with Retail Banking, Sales, Operations, Collections, Compliance, and Risk teams.
- Provide guidance to business units regarding lending criteria and policy interpretation.
- Escalate high-risk cases and material portfolio concerns to senior management.
Team Management - Lead, coach, and develop credit analysts and credit officers.
- Allocate workload and monitor productivity and service delivery.
- Ensure quality reviews and adherence to turnaround time commitments.
- Foster a strong risk culture within the team.
Experience & Qualifications - Bachelor degree in Finance, Banking or related discipline
- Professional certifications in Risk Management or Credit Analysis are advantageous.
- 5 years’ experience in consumer lending and Retail Credit.
- Strong experience in personal loan underwriting
- Prior people management experience preferred
- Effective communication skills in English and Arabic
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