Credit Support Officer

1. Job Purpose

This role resides within second line of defense, part of the Group Credit.

The Credit Support Officer (CSO) reports to Head of Policy, Procedures, Portfolio Review ＆ Credit Support, who in turn reports to the Group Chief Credit Officer who in turn reports to the Group Chief Credit & Risk Officer who reports to the Group Chief Executive Officer.

2. Principal Responsibilities, Accountabilities and Deliverables of Role

The CSO is responsible for delivering and coordinating the following key activities:

Timely circulation of Credit Application Forms (CAF), tracking, follow-up and completion of GCC/HOCC voting process. This includes CMS, printed or email CAFs;
Manage GCC committee diaries and agendas. Collating material for voting members and other logistic support;
Meeting Management and Minutes of Group Credit Monitoring & Portfolio Forums, and any other ad hoc meetings, forums and committees;
The Group-wide Account Requiring Close Monitoring Report;
Annual Reviews Tracking;
Escalation and follow-up of payment overdues and any other account irregularities;
Monitoring of Regulatory Large Exposure thresholds;
Forbearances monitoring report;
KRIs and ARC Objectives reporting;
GCC Action Point reporting, follow-up and update;
Support CBB Quarterly PIR Submissions;
Support any ad-hoc portfolio review or MI reporting, as and when required;
Concentration thresholds monitoring report;
Tracking of Audit, GAQR, RCSA, and OP Risk reports;
Service subscriptions, such as Rating Agencies contract;
Assist with country limits adjustments and update;
Assist with implementation of credit & risk PSPs;
To assist the Credit Policy and Portfolio Review Officer in given projects and assignments which will be as a growth opportunity and part of the learning curve for the CSO.
As and when required, acts as the key liaison between the Credit Risk Management, Group Finance, Group Ops, and Wholesale Banking Middle Office reporting teams and Group Credit.
Ensuring that the reporting and governance structures are maintained at all times;
From time to time, the CSO will be required to assist in the delivery of ad-hoc reports;
The CSO will assist in the update of CMS data, as and when required;
As and when required, support credit and risk projects from the reporting, procedures, and governance scheduling point of view.
The CSO is to encourage the development of the team as a whole and ensure that his/her own skills are current and that courses are completed on areas requiring development.
The encouragement of development of the team could be through coaching, arranging seminars or circulating interesting and relevant news to the group.
Seeking out feedback and acting upon it is particularly useful.
As requested, the CSO is to assist in coordinating social activities across Group Credit and the wider community.

3. Job Context (Circumstances & environment surrounding the job)

This role acts as a support to Group Credit on all matters relating to the credit approval, review, monitoring, reporting and policies & processes.

The job holder is expected to:

Understand risk strategy and appetite documents.
Monitor and report on the bank’s different credit portfolios including FI and Corporate names.
Demonstrate compliance with the bank’s policies, standards and procedures.
Awareness of regulatory requirements in Bahrain and beyond.
Recognise the need to balance risk-prudence with actual market-practices/pressures and support growth of a sustainable well managed risk portfolio.

4. Job Requirements

Knowledge

Familiarity with key banking products;
Understanding of Credit and Business functions;
Understanding of the content, origination, preparation and publication of reports produced in the bank impacting on credit risk;
Knowledge and interpretation of accounting and regulatory guidelines is preferable

Education / Certifications