Senior Manager, Credit Underwriting Division

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

• Higher education (finance, economics, or related field)

• More than 6 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

• 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