Credit Senior Manager

Title: Credit Senior Manager Department: Risk & Credit Management Location: Riyadh Core Responsibilities: Independently evaluate credit proposals of varying size and complexity and provide well-supported credit recommendations and/or decisions within delegated authority, while ensuring agreed turnaround times are met. Review credit submissions for adherence to the Bank’s credit policies, procedures, risk appetite, and existing approval conditions, and appropriately identify and assess any deviations or exceptions. Assess proposed financing structures and ensure key credit risks are appropriately identified, mitigated, and reflected in the facility structure, terms, conditions, and covenants. Critically challenge assumptions, financial projections, and proposed structures, including assessment of leverage, liquidity, cash flow generation, debt servicing capacity, and downside scenarios, where applicable. Liaise closely with Relationship Management, Product, Legal and other relevant stakeholders to obtain necessary information and provide credit guidance and input on new and existing transactions. Monitor the quality and performance of the assigned credit portfolio, including early identification of deterioration and warning signals, and ensure appropriate risk classification, escalation, and remedial actions in accordance with the Bank’s policies. Support periodic reviews, renewals, amendments, waivers and restructuring requests, ensuring that changes in the obligor’s risk profile and operating environment are appropriately captured. Maintain high standards of credit quality, consistency and documentation, ensuring credit recommendations and decisions are clear, concise, and supported by appropriate analysis. Participate in transaction discussions, portfolio reviews and other internal or external stakeholder meetings, providing an independent credit risk perspective as required. Maintain awareness of developments in relevant industries, economic conditions and regulatory requirements and assess their potential impact on individual obligors and the overall portfolio. Contribute to the continuous improvement of credit processes, risk practices, and portfolio management, and provide guidance and support to junior credit team members where required. Qualifications and Requirements: Bachelor's degree in Finance / Accounting, Master's degree is preferred. Around 9 years of experience with preferred 4 years in a relevant role. General experience in corporate lending, either in coverage or in risk. Show more Show less