Credit Portfolio Analyst
2 days ago
About this Opportunity
Gulf International Bank is seeking a talented Private Banking Risk Manager to join our team in Bahrain. As a key member of our credit risk assessment team, you will play a critical role in evaluating the creditworthiness of high net worth individuals and underwriting complex credit facilities.
Key Responsibilities
- Evaluate the quality of collateral, including real estate, investment portfolios, and other assets, to ensure adequate security for loans.
- Calculate key risk metrics, such as Loan-to-Value (LTV), Debt-to-Income (DTI), and leverage ratios, to inform underwriting decisions.
- Prepare detailed credit memos for approval, highlighting risks, mitigants, and recommendations.
Risk Monitoring & Portfolio Management
As a Private Banking Risk Manager, you will be responsible for continuously monitoring existing credit exposures to detect early warning signs of financial distress.
- Conduct stress testing and scenario analysis to evaluate the impact of market changes on client portfolios.
- Ensure compliance with internal credit policies, Basel regulations, and local regulatory requirements.
Collaboration & Stakeholder Engagement
You will work closely with Private Banking relationship managers, investment advisors, and legal teams to structure credit solutions tailored to client needs.
- Assist in structuring complex credit facilities, including collateralized lending and real estate financing.
- Support internal and external audits by providing necessary risk documentation and reports.
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