Job Purpose:
- Credit assessment: Supporting, promoting, monitoring, and controlling, on an independent and ongoing basis, the Bank’s pursuit of good quality loan and other risk assets within the corporate credit portfolio.
- The Credit Risk Analyst will be responsible of evaluating the credit risk of new business and the periodic risk review of existing clients and ensuring these are aligned with risk appetite, policies, and procedures. Responsible for making a clear and timely recommendation to the appropriate credit committee.
- Portfolio Review, Policies and Procedures: Conduct regular portfolio reviews of various corporate and sovereign obligors, understand, review, interpret and adopt all credit policies and procedures. Escalate key risk issues related to the credit portfolio constituents.
- Ensure adherence to Group’s Risk Appetite Statement, Group Credit Policy, Standards, and related procedures.
- Responsible for the control and monitoring of key aspects of the credit process. To assist line manager / unit in the objectives of the credit administration risk function.
Principal Responsibilities:
The key responsibilities, accountabilities, and deliverables as below:
• Assess complex financials, projections, industry, and country risks.
• Compose and present clear, succinct reports on deal structures and credit obligors.
• Improve the quality and timeliness of Credit Application Forms (CAFs) and to be aligned with risk appetite and policies, highlighting key risks and mitigants.
• Provide clear recommendations for appropriate credit committees.
• Ensure timely submission of credit proposals for committee approval.
• Present consistent, quality, and objective risk management information to committees.
• Review rating model inputs for consistency, accuracy, and suitability of input factors to generate Risk rating.
• Responsible for the control and monitoring of the key aspects of the credit process, including documentation completion/compliance and activation of limits.
Business Support
• To provide support for understanding the Group Credit Policy and its related standards and procedures.
• To advise on adequacy of the explanation/ information and risk mitigation in CAFs.
• Ensure CAF compliance with group policies. Comments on any deficiencies and indicate support level.
• To work with the Credit Analyst to ensure the accuracy of the financial spreadsheets and compliance of covenants.
• Maintain 2nd line of defense independence while supporting the 1st line of defense timely in underwriting.
• Participate in risk-related projects.
Job Requirements:
Knowledge
• Ability to solve problems, take decisions or escalate to higher levels (as appropriate) and get along with people amicably.
• Good understanding of Wholesale banking products.
• Good knowledge and understanding of Credit, AML and Operations management.
• Fair working knowledge of Loan Documentation, Syndication Loan Structures, Commercial Contracts, Trade Finance, Credit Risk, KYC and Banking terminology including standard loan covenants.
• Strong analytical skills to consider all relevant information about loan applicants and a company's credit profile;
• Familiarity with accounting standards, with regard to client financials and their analyses, the treatment and reflection of business/product types;
• Strong analytical and interpreting skills on exposures data, and related market/ economy knowledge, so as to discern and present risks
Education / Certifications
• Minimum qualifications are a post graduate degree in Economics, Finance, Accountancy or Business Administration with a foundation in analytical, statistical, and other quantitative techniques.
Experience
• A minimum of 5 - 7 years’ experience in banking with a substantial part of that in Credit functions across section of products, markets and business types e.g., traditional commercial banking, loans syndications, trade finance (structured and unstructured) and knowledge of Treasury products.
Personal attributes
• Exemplary ethics, integrity, confidentiality, diplomacy and resilience under all circumstances.
• Proactive, precise, highly motivated; able to thrive within the bank’s culture.
• Effective communicator and be able to deal with all levels of management.
• Excellent inter-personal skills to managing and resolving difficult situations.
• Be methodical, detail-oriented and well-organized in everyday tasks.
• Working knowledge of standard software applications in use e.g., MS Office, and banking systems/software.
• Collaborative and Team player, able to work independently and in a structured manner.
• Quick learner, adaptable to changes in technology and the banking environment.