Business Risk Specialist

6 days ago


Riyadh, Ar Riyāḑ, Saudi Arabia Gulf International Bank Full time

Role Overview

Gulf International Bank seeks a skilled Credit Analyst to join its Private Banking team. The ideal candidate will have a strong background in credit risk assessment, underwriting, and portfolio management.

Key Responsibilities

  1. Evaluate the creditworthiness of high net worth individuals and ultra-high net worth individuals by analyzing their income sources, net worth, liquidity, and investment holdings.
  2. Assess collateral quality, including real estate, investment portfolios, and other assets, to ensure adequate security for loans.
  3. Calculate key risk metrics such as Loan-to-Value (LTV), Debt-to-Income (DTI), and leverage ratios to inform lending decisions.

Risk Monitoring & Portfolio Management

The successful candidate will be responsible for continuously monitoring existing credit exposures to detect early warning signs of financial distress.

  1. Conduct stress testing and scenario analysis to evaluate the impact of market changes on client portfolios.
  2. Ensure compliance with internal credit policies, Basel regulations, and local regulatory requirements.
  3. Maintain and update risk reporting dashboards for senior management and regulatory bodies.

Collaboration & Stakeholder Engagement

The Credit Analyst will work closely with Private Banking relationship managers, investment advisors, and legal teams to structure credit solutions tailored to client needs.

  1. Assist in structuring complex credit facilities, including collateralized lending and real estate financing.
  2. Support internal and external audits by providing necessary risk documentation and reports.


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