Assistant Manager – Credit & Investment Review – Commercial Bank of Kuwait
- Pre fact:
- Verifying the completeness and correctness of the credit (DR) and Investment proposal.
- Independent evaluation of the credit / investment in terms of financials, source of repayment, structure of facilities & adequacy of collateral/support.
Ø Check the compliance with Central Bank of Kuwait (CB’s) regulations and bank’s Credit Policy
Ø Confirming that the account is objectively & correctly risk graded.
Ø Give an opinion to mitigate the potential/existing risks enabling approving authorities in their credit decision process.
- Post fact:
Periodic Review/Loan examination of selected accounts highlighting:-
Ø Credit quality & Review of existing Risk Grading
Ø Review of Documentation and collateral/support, where applicable
Ø Compliance with credit approval conditions
Ø Conduct & usage of facilities
Follow-up with the concerned unit on corrective/remedial measures.
- Credit Policy:
Ø Review current credit policies for the bank’s different business areas and establish a comprehensive, consolidated credit policy manual that is in line with the bank’s lending norms and statutory boundaries.
Ø To carry out a macro analysis on the bank’s lending portfolio and critically evaluate the same as and when required
Ø Undertaken specific credit related projects necessary to improve the decision making process and enhance the credit culture.
Ø Assist other units under risk management as and when required.
|Job Location:||Al Kuwait, Kuwait|
|Career Level:||Mid Career|