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Credit Analyst / Portfolio Management Officer (Bahrain)

Credit Analyst / Portfolio Management Officer (Bahrain)

Credit Portfolio ManagementMuharraq, Muharraq Governorate, Bahrain
8 hours ago
Job description

Career Opportunities with Avana Companies

A great place to work.

As a people-first organization, AVANA Companies is the sum of our team members. Our team is the heart of our organization, across all our brands. Given everything they bring to the table, our goal is to enrich their lives as much as we enrich the lives of our clients and partners. At the end of the day, our passion is our people, and our purpose is to deliver Capital for a Better Tomorrow. As a united team, we passionately pursue that purpose – ultimately creating a lasting impression on our own lives and the lives of people around the world. We’re lucky that every day we get to collaborate and work together to accomplish that. It’s one of the many factors that make us a family of companies .

Want to learn more about how you can join our family? View our openings below and be sure to check back often, as our family is constantly growing!

Mission :

The mission of a Credit Analyst, known internally as Portfolio Management Officer, is to monitor assigned loans within the loan portfolio ensuring accurate risk ratings are assigned, identifying early warning signals and recommending appropriate action. Portfolio Management Officers also monitor and administer construction loans in accordance with standards outlined in credit policy. By doing this, they ensure the stability, profitability, and regulatory compliance of the loan portfolio while effectively managing risk and maximizing shareholder value.

Key Results

  • Maintain 90% compliance rate for loan reviews
  • QC and process construction draw requests within 5 business days of receiving the inspector’s final report
  • Ensure 100% of loan extensions are processed, or loan is handed over to Special Assets, prior to loan maturity

Core Competencies

  • Analytical Thinking
  • Attention to Detail
  • Collaborating with Others
  • Decision Making
  • Problem Solving
  • Responsibilities

  • Conduct periodic credit risk analyses of assigned loans within the loan portfolio, ensuring accurate risk ratings are assigned.
  • Engage with clients proactively and independently to gather the information necessary to complete analyses and make informed decisions.
  • Draft and present clear credit in written loan reviews that accurately capture the credit risk of each loan including the financial capacity of the borrower, the performance of the property and the current value of collateral.
  • Utilize US based resources to assess risk exposure within the loan portfolio, including probabilities of default and loss given default.
  • Monitor the performance of assigned loans within the loan portfolio, identifying early warning signals and recommending appropriate action.
  • Conduct industry research and analysis to understand market trends and identify potential risks.
  • Monitor and administer construction loans, including tracking budgets, monitoring completion schedules, reviewing third-party reports and ensuring draws are funded timely.
  • Ensure compliance with all relevant laws, regulations and internal policies.
  • Communicate effectively with internal stakeholders to provide updates on portfolio performance and risk trends.
  • Stay informed about changes in regulatory requirements and industry best practices to maintain compliance and mitigate legal and regulatory risks.
  • Travel may be required for training purposes.
  • Requirements

  • Minimum 3 years of experience in commercial lending, preferably with a focus in commercial real estate and hospitality
  • Bachelor's degree Finance or Accounting with strong academic record
  • Strong analytical skills with the ability to interpret complex financial data and identify key risk factors
  • Ability to work independently with minimal supervision
  • Strong attention to detail and ability to identify discrepancies in data
  • Proficiency in financial software, data analytics tools, and spreadsheet applications (such as Excel)
  • Excellent verbal and written communication skills in English with the ability to articulate findings and recommendations effectively and concisely
  • Ability to work in a fast-paced and multi-national environment
  • Ability to multi-task, solve problems and think quickly
  • Willing to work US hours (i.e. 4 : 00 pm to 1 : 00 am Bahrain Time)
  • Job : Full Time
  • Type : Usually Work From Office, Friday is working and weekly off is on Saturday & Sunday's.
  • Holiday : Not Bahrain holidays, it will be mostly US or based on business requirements
  • Work Permit : Candidate should have required work permit for Bahrain.
  • #J-18808-Ljbffr

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    Portfolio Management • Muharraq, Muharraq Governorate, Bahrain

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