Risk Management Professional
2 weeks ago
Job Overview
Gulf International Bank is seeking a highly skilled Risk Management Professional to join our team. The ideal candidate will have expertise in credit risk assessment and underwriting, with a strong understanding of financial modeling and loan structuring.
Credit Risk Assessment & Underwriting
The successful candidate will be responsible for assessing the creditworthiness of high net worth individuals and ultra high net worth individuals, evaluating collateral quality, and calculating key risk metrics such as Loan-to-Value (LTV) and Debt-to-Income (DTI).
- Evaluate collateral quality, including real estate, investment portfolios, and other assets, ensuring adequate security for loans.
- Calculate key risk metrics such as LTV and DTI, and assess the overall creditworthiness of clients.
- Prepare detailed credit memos for approval, highlighting risks, mitigants, and recommendations.
Risk Monitoring & Portfolio Management
The successful candidate will also 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.
- Maintain and update risk reporting dashboards for senior management and regulatory bodies.
Required Skills and Qualifications
The ideal candidate will possess proficiency in financial modeling, credit risk assessment tools, and loan structuring, with experience working with risk management software.
- Proficiency in financial modeling, credit risk assessment tools, and loan structuring.
- Experience with risk management software.
- Familiarity with collateralized lending, structured credit, and investment-backed financing.
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