Manager, Credit Underwriting Division at Исламский Банк ADCB — NeverHard

RESPONSIBILITIES: Conducting comprehensive financial analysis of corporate clients based on IFRS financial statements Preparing detailed memos, conclusions, and recommendations for the Credit Committee of the Bank Structuring credit facilities (determining optimal financing structure, collateral, terms, and covenants etc.) Assessing credit risks of projects and developing risk mitigation measures Ensuring compliance of proposed financing terms with the legislation of the Republic of Kazakhstan and internal Bank policies Coordinating with relevant Bank departments (risk, legal, business units, including UAE) to confirm financing terms and conditions Participating in improving credit analysis methodologies and implementing automated assessment tools Preparing internal and external management and analytical reports, including stress testing of credit risk associated with corporate financing REQUIREMENTS: Higher education (finance, economics, or related field) Minimum 3–5 years of experience in credit analysis / underwriting Strong knowledge of IFRS and ability to apply standards in financial analysis Advanced skills in financial statement analysis and business performance evaluation Proven experience in preparing credit proposals for corporate clients In-depth understanding of credit structuring principles and experience with complex financing transactions Knowledge of banking and regulatory legislation of the Republic of Kazakhstan English at least Upper-Intermediate level (written and spoken, business level) Experience working with corporate clients CONDITIONS: Location: Almaty, Esentai Business Center Employment in accordance with the Labour Code of Kazakhstan Medical insurance after probation period Paid annual leave: 25 working days Health and education allowance 2-hour Friday break