Head of Wholesale Credit – Tunis

Description de l’annonce:

 Head of Wholesale Credit

As the Head of Wholesale Credit, you’ll have the overall responsibility for credit decisions for the Bank’s Corporate and Financial Institutions clients, working in alignment with the relevant credit teams and committees. You’ll have the support of an experienced team of Credit Officers and manage a wide variety of stakeholders in both front office and across the Credit Risk department.

Essentially you’ll be:

·  Reviewing, approving, declining or recommending to appropriate higher authority, corporate credit applications for new originations, renewals or modification of existing loans terms and conditions

·  Reviewing credit applications and analyzing exposures of Financial Institutions in line with the bank’s risk appetite

·  Responsible for the quality of loans including Watchlist loans, loan delinquencies and monitoring of classified loans

·  Responsible for enforcing the group’s credit policies and procedures to mitigate risk and ensuring alignment to the Central Bank regulation

·  Continuously monitoring loans, to ensure annual reviews are well documented and risk ratings are accurate, identifying deteriorating credits and taking appropriate action to mitigate risk and communicate performance and concerns to top management.

·  Participating in defining the bank’s risk appetite

·  Supervising and coaching a team of Wholesale credit officers.

Essential Qualifications:

· Master degree in accountancy and/or finance, business or economics, engineer, an expert in law …

Experience:

· Minimum 10 years of relevant experience in financial analysis and credit assessment in Banking or Rating agencies or equivalent.

Knowledge, Skills and Abilities:

· Fluency in French, English, and Arabic

· Excellent verbal and written communication skills

·  Excellent interpersonal and communication skills

· Problem solving and strategic thinking

·  Ability to work under pressure and to meet tight deadlines

·  Strong analytical skills and attention to details

·  Capacity to analyze, synthesize and present an opinion in an articulate manner

·  Ability to work under pressure and to meet tight deadlines

·  Capacity to coach and motivate team

· Professionalism

·  Independency.

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