Loan Review Mechanism Manager

About the role

The Loan Review Mechanism Manager oversees the execution of periodic credit reviews of the bank's portfolio in line with regulatory directives and internal policies. The role supervises work allocation and delivery timelines, strengthens review methodologies and reporting standards, supports the Head of LRM in identifying emerging risks, ensures adherence to credit standards and contributes to reporting corrective actions that mitigate portfolio credit risk.

Key responsibilities

• Allocate review assignments based on portfolio risk, materiality, plan coverage and team capacity, and ensure each review covers creditworthiness, financial performance, facility structure, security, documentation and covenant compliance.
• Conduct periodic reviews of corporate and retail credit portfolios and independently analyse borrower performance and creditworthiness, flagging early warning signals to business teams and the Head of LRM.
• Identify loans with potential credit weaknesses, recommend remedial actions, monitor credit quality across sectors and assess industry concentration risks.
• Prepare loan review reports with detailed findings and observations, including non-compliance with policies or regulatory standards, and analyse the adequacy of credit documentation and loan loss provisions.
• Contribute to MIS reports and internal dashboards, and follow up on corrective plans according to escalation procedures.
• Ensure reviewed accounts comply with internal credit policies, CBO guidelines and lending standards, and escalate critical deviations to the Head of LRM.
• Liaise with business units, challenge insufficient evidence or unaddressed risks, support engagement with regulators such as the Central Bank of Oman, and take part in cross-functional projects or audits.
• Support the Head of LRM with special reviews, investigations and the development and periodic review of LRM policies, procedures and the annual plan.

Required profile

• Omani nationals only.
• Bachelor's degree in Business, Finance, Economics or a related field.
• Minimum 8-10 years of experience in credit risk, audit or financial analysis roles, preferably in banking or financial services.