Financial Services Specialist
4 days ago
About the Role
Gulf International Bank is seeking a skilled Credit Portfolio Analyst to join our team in Bahrain. As a key member of our Private Banking division, you will play a critical role in assessing the creditworthiness of high net worth individuals and underwriting complex credit facilities.
Key Responsibilities
- Evaluate collateral quality, 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 Credit Portfolio Analyst, you will be responsible for continuously monitoring existing credit exposures to detect early warning signs of financial distress. This includes conducting 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.
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. This includes assisting in structuring complex credit facilities, including collateralized lending and real estate financing.
- Support internal and external audits by providing necessary risk documentation and reports.
Policy & Framework Development
You will contribute to the development and refinement of private banking credit policies, recommending improvements to risk models and underwriting processes to enhance risk-adjusted returns.
- Develop and maintain relationships with key stakeholders, including clients, colleagues, and external partners.
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