Credit Management Specialist

1 week ago


Riyadh, Ar Riyāḑ, Saudi Arabia Saudi Home Loans (SHL) Full time
Job Summary

We are seeking a highly skilled Credit Management Specialist to join our team at Saudi Home Loans (SHL). As a Credit Manager, you will be responsible for providing supervision and guidance to credit analysts, reviewing home and land finance files, and making funding eligibility decisions.

Key Responsibilities
  1. Final Reviews: Conduct thorough reviews of home finance files in accordance with SHL's established credit policy, criteria, and procedures.
  2. Financial Statement Analysis: Analyze financial statements for self-employed applicants and business owners to ensure accurate credit decisions.
  3. Property Valuations: Analyze property valuations to ensure compliance with SHL's credit policies.
  4. Compliance Standards: Ensure established compliance standards are met to maintain the integrity of SHL's credit processes.
  5. Fraud Detection: Detect fraudulent documentation or actions and report issues to the Head of Credit.
  6. Credit Exceptions: Identify and present credit exceptions, prepare monthly exceptions reports, and ensure targeted credit pipeline units levels are not exceeded.
  7. Turnaround Time: Monitor credit pipeline and ensure turnaround times are not exceeded.
  8. Training and Development: Train credit analysts and discuss credit decisions with SHL, DAAR, and ANB personnel.
  9. Interdepartmental Collaboration: Work closely with other departments to achieve SHL's goals and objectives.
  10. Workflow Improvements: Suggest and help implement workflow improvements to increase efficiency.
  11. Campaign Review: Review sales proposed campaigns and ensure their compatibility with the credit guidelines.
  12. Sales Support: Help sales teams achieve their targets.
  13. Documentation Training: Train sales staff on proper documentation.
  14. Portfolio Analysis: Conduct portfolio analysis and report any policy defects or weaknesses.
  15. MIS and Reporting: Design new MIS and quality monitoring reports.
  16. System Enhancements: Report any required system enhancements or gaps.
  17. Process Gap Analysis: Conduct process gap analysis.
  18. Credit Capacity Plan: Design and update the credit capacity plan, and monitor capacity monthly.
  19. Additional Duties: Perform and carry out duties as directed by the direct manager.
Requirements

Experience: Minimum 3 years of experience in credit management in banking and/or financial services with 2+ years of credit analysis experience.

Career Level: Junior

Job Type: Full Time

Vacancies: 2 Open Positions

Salary: Negotiable

Gender: Any

Degree Level: Bachelor's degree

Faculty / Institute: Any

Major: Accounting

Age: Any

Nationality: Any

Residence Location: Any

Languages: English - Fluent / Excellent, Arabic - Fluent / Excellent

Job Skills: 3+ years in credit management in banking and/or financial services with 2+ years of credit analysis experience. Specialization in home financing preferred. Proven skill in financial statement analysis. Previous experience in KSA market. University degree in Business or Finance.

Systems Used: Excel, Word, PowerPoint, Lotus Notes, iFlex/DBLS preferred. Fluent English and Arabic language.



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