SUMMARY OF ROLEThe Credit Reviewer is responsible for the objective and thorough review of credit and investment proposals across corporate, mid-corporate, and retail segments (with exceptions), ensuring alignment with the bank’s credit policy, regulatory guidelines, and risk appetite. The role supports risk mitigation by partnering with business units to optimize facility and security structures. KEY RESPONSIBILITIESReview and Assess Credit Proposals· Evaluate Corporate, Mid Corporate, Retail (exceptions), and Investment proposals (new and renewals) to ensure compliance with Credit Policy and approved criteria.· Share responsibility with Business Units for the quality and integrity of proposals. Structure Facilities and Mitigate Risk· Collaborate with Relationship Managers and Treasury to structure credit facilities and securities that minimize risk and align with the Bank’s interests.· Ensure accurate security details through coordination with the Risk Control Unit (RCU). Conduct Client Engagement and Site Visits· Visit clients and project locations when required to gather operational and financial insights.· Use findings to support cash flow projections and enhance credit understanding. Support Policy Development and Compliance· Assist in reviewing and updating the Bank’s Credit Policy periodically to reflect best practices and regulatory requirements.· Ensure full compliance with lending and investment review standards. Mentor Team and Handle Ad-Hoc Tasks· Provide guidance and knowledge transfer to junior staff and trainees to build team capability.· Undertake any additional responsibilities assigned by the Head of Credit Risk or Risk Management.Requirements· Omani National· Bachelor’s Degree in Finance, Economics, Accounting, or related discipline· 5 years of experience in Credit Risk, Credit Review, or Credit Analysis
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