بنك الخليج الدولي وظائف محاسبة ومالية شاغرة في جدة دوام كامل

وظائف بنك الخليج الدولي

يعلن بنك الخليج الدولي وظائف محاسبة ومالية شاغرة لذوي الخبرة، للعمل بالبنك بمحافظة جدة، بمسمى وظيفة محلل الائتمان Credit Analyst، وذلك وفقاً لبقية التفاصيل الموضحة أدناه.

اسم الوظيفية:- محلل الائتمان (Credit Analyst).

الشروط:
1- درجة البكالوريوس في المالية والمحاسبة بالإضافة إلى شهادة مهنية ذات صلة ويفضّل في تقييم الائتمان.
2- خبرة لا تقل عن 7 سنوات في الأعمال المصرفية، أو إدارة المخاطر مع خبرة لا تقل عن 3 سنوات في إدارة الائتمان.
3- شهادة في إدارة الائتمان.

– التقديم متاح الآن بدأ اليوم الأحد 2019/06/30م وينتهي عند الإكتفاء من العدد المطلوب.

طريقة التقديم في وظائف بنك الخليج الدولي:

من هنا

Credit Analyst (Jeddah)

Job Purpose:

To efficiently analyze credit worthiness of the borrowers and ensure that risk exposure is under the credit appetite of the bank. Ensure timely, high quality and independent credit review is performed of the assigned credit/client portfolio. Ensure compliance to established credit policies and procedures and recommend proper credit decisions to authorized committee.

Key Accountabilities :

1. Review and perform detailed credit analysis of new/renewal/extending credit request with regards to financial information pertinent to potential and existing borrowers, quality of assets, collateralization and provide specific recommendations including pricing and structuring for submission to the credit committee.
2. Review facility documentation to ensure its accuracy, completeness and accordance with the relevant approval(s) and GIB policies and procedures. Identify and obtain additional information requirements needed for proper assessment of credit request.
3. Evaluate terms and conditions, including but not limited to pricing, to facilities offered to clients so as to optimize the bank’s return on equity in relation to the risk.
4. Identify risks in the credit request and suggest mitigations, covenants and plans to minimize risks and improve credit quality.
5. Assign internal ratings on the basis of the comprehensive review, incorporating risk based pricing/RAROC assessment.
6. Ensure that the credit review and recommendation are in strict adherence to the relevant internal policies and procedures (GIBMAN) and regulatory requirements.
7. Ensure that credit requests are processed within best possible turnaround time with complete independence and transparency. Provide high quality service to each assigned client consistent with approved facilities and GIBMAN requirements.
8. Perform the annual review of each client in a competent and timely manner; All annual review should be completed prior to the original review date or the date to which the review has been deferred with the concurrence to the supervisor
9. Maintain the credit and desk file for each client in accordance with internal policy. Contribute information to the division’s prospect and industry files. Closely follow up any late payments or missing facility documents.
10. Support relationship managers in preparing the annual forecast of the income for each client and prospect to be incorporated in the annual budget.
11. Provide support to relationship managers to prepare/ generate statistical/ management reports on credit and risk such as (classification report, annual planning report etc.) according to prescribed schedules so that all relevant parties are assured of the integrity of transactions and to facilitate decision making.
12. Ensure all documents related credit evaluation are filed (hard/soft copy) and archived. Follow document retention and disposal procedures, ensuring minimal discrepancies and loss of information.
13. Follow up all audit issues under the purview to ensure that it is adequately addressed as per agreed timetable.

    14. Keep up to date on developments in Saudi – legal environment, especially those relating         to documentation and security; business and the economy, which affect GIB clients and            prospective clients

Key Performance Indicators : 

• Ensure that annual reviews are circulated on time
• Ensure that risk queries are responded to within an adequate time frame (within 5 working days)
• compliance to set covenants for allocated clients (CIMS to be updated promptly for all clients)
• Ensure that contract control sheets are circulated in an timely fashion
• Meet each client at least 1 time a year
• Create regular dialogue with the CRM team to develop in depth knowledge of account
• Meet with the risk team directly once a year
• Ensure that no client is downgraded by more than four notches by CRM directly
• Circulate at least 4 CAs per month

– Compliance with the credit policies and the regulatory framework 

Qualifications, Experience & Skills :

– University degree in finance, accounting plus preferably relevant professional certification in credit evaluation.

–  Certification in Credit Management (mandatory)

–  7 to 8 years’ experience in Banking, or Risk Management with a minimum of 3 years credit management experience.