Credit Quality Assurance Senior Officer – Housing Mortgage

About the role

HBTF is hiring a Senior Credit Quality Assurance Officer for its housing mortgage business in Bahrain. The role covers audit and review of credit approvals, activation of credit facilities and oversight of credit operations, with reporting on the branch's credit portfolio.

Key responsibilities

• Credit audit: review all credit approvals and amendments against policy and procedure, and ensure mortgages, mortgage releases and attachments, and ownership document handling with government departments are properly documented.
• Prepare contracts and offer letters in line with the terms and conditions of each credit approval.
• Credit activation: audit disbursements, check that data is entered correctly in the banking system, and confirm that facility documents are legally signed and that approval terms are implemented.
• Credit operation: verify transaction documentation complies with credit facility conditions, internal policies and regulatory requirements; liaise with the business unit on credit exceptions; oversee end-to-end loan disbursement, including system entries, approvals and fund release conditions.
• Reporting and monitoring: update periodic reports on the credit portfolio (real estate mortgage, mortgage property, post-activation follow-up, shares valuation, expired insurance, due limits, past due and overdue accounts, scheduling and restructuring); follow up client credit facility records with BENEFIT Company (BCRB reports) and coordinate amendments with the IT department.

Required profile

• Bachelor's degree in finance, accounting, banking or a related field.
• At least 7 years of banking experience, of which at least 5 years in a credit administration or credit operation role.
• Knowledge of credit products, loan documentation, collateral management and credit-related legal matters.
• Familiarity with lending regulations, compliance requirements, government and CBB regulations and mortgage procedures.
• Proficiency in written and spoken Arabic and English.
• Proficiency with Microsoft applications and other relevant tools.
• Only Bahrainis and expatriates currently working in the Bahraini banking sector may apply.