Job Purpose

Partner closely with the Head of Corporate Banking and other internal stakeholders to support transaction execution, portfolio management, and the continued growth of Corporate Banking, including project finance. Serve as a key execution lead for project finance transactions from underwriting through closing and post-closing portfolio management.

Prepare credit proposals and credit reviews for new and existing relationships; submit to local deal and international credit committees and manage approval processes through closing. Prepare credit-related reports as required by the Bank and applicable regulatory and internal stakeholders, as well as administrative reports and tasks supporting Corporate Banking’s credit and marketing functions.

Responsibilities

Portfolio Relationship Management

• Manage a portfolio of clients by actively monitoring obligor operating performance, changes in credit profile, loan repayments, and compliance with credit and other agreements.

• Oversee individual transactions, portfolio accounts, and the overall Bank relationship during transaction execution and post-closing portfolio management.

• Prepare credit proposals and credit reviews based on analysis of an obligor’s financial and operational strengths and weaknesses, including leverage, key risk factors, cash flow, sources of repayment, debt service capacity, industry trends, and compliance with the Bank’s credit policies.

• Monitor the quality of the credit portfolio, including the appropriateness of risk ratings. Track covenant and reporting compliance, account performance, loan repayment trends, and financial performance across specific portfolio segments, industries, and countries.

• Complete new loan underwritings, partnering with other officers as needed to structure, negotiate, and close transactions.

• Adhere to all applicable laws and regulations, including Anti-Money Laundering (AML), Office of Foreign Assets Control (OFAC), Bank Secrecy Act (BSA), and USA PATRIOT Act requirements.

Transaction Execution (Primary Focus)

• Lead execution of project finance transactions from mandate through closing across energy, LNG, infrastructure, data centers, and other structured lending sectors, in accordance with Bank policies and procedures.

• Complete all assigned training requirements, including ISO, HR, and BSA/AML/OFAC training, on a timely basis.

• Draft and present project finance and corporate lending transactions, including pre-screen memoranda, full credit proposals, annual reviews, amendments, waivers, and refinancing requests.

• Evaluate transaction structures and risk allocation across key project agreements.

• Review and assess technical, legal, insurance, market, and other third-party due diligence materials.

• Develop, analyze, and stress-test financial models.

• Manage internal credit approval processes and coordinate with Risk, Portfolio Management, Legal, Operations, Compliance, KYC, and other internal partners.

• Negotiate financing documentation in coordination with internal legal counsel and external parties.

• Manage transaction timelines, information flow, and stakeholder coordination.

Client & Stakeholder Management

• Serve as a primary day-to-day contact for borrowers, sponsors, agent banks, lead arrangers, lender groups, and other transaction participants.

• Maintain credit files in accordance with internal compliance and regulatory requirements, ensure legal documents are properly safeguarded, and prepare materials for off-site storage.

• Adhere to NBK and NYB policies and procedures and identify inefficiencies and/or outdated processes for improvement.

Qualifications and Experience

• Minimum of a bachelor’s degree, preferably in accounting, business administration, or finance.

• Formal credit training at a major bank and 7+ years of commercial banking experience, including credit analysis of project finance, corporate, and/or structured lending transactions in a first- or second-line-of-defense role.

• Excellent computer skills, including Word, Excel, and PowerPoint.

• Strong interpersonal, written, and verbal communication skills, with the ability to work effectively with colleagues, information sources, and clients.

National Bank of Kuwait

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