Job Description

Main purpose of the Job:

To carry out comprehensive credit risk management for the branch

Duties & Responsibilities:

• To analyze credit applications made by the corporate banking and treasury departments, including risk review of internal credit ratings and post-loan management reports.
• Review credit limit and transaction application and provide risk review opinions
• Review credit rating applications and provide credit rating validations
• Administer the Drawdown Centre process and procedure
• Ensure the above complied with internal policies and procedure manuals
• Ensure policy compliance

• Monitor counterparty and industry concentration risk
• Monitor credit limit expiry and credit limit renewal
• Monitor the monthly post lending reporting and issue risk review opinion
• Monitor annual review of loans and advances
• Monitor internal credit rating validity and credit rating renewal
• On-going post lending monitoring

• Identify and evaluate significant increases in credit risk
• Measure the impact of adverse news, ESG risk, RAD triggers on assets / counterparties
• Trigger loan / asset risk classifications reviews
• Make risk-based recommendations for the various committee
• Cooperate and collaborate with Front Office Departments to obtain condonations for breaches of any policy requirements
• Maintain the credit limit and credit rating expiry monitoring tool
• Maintain the annual post lending monitoring tool and ensure annual reports are completed
• Take responsibility for reminding Front Office Departments to follow up on exposures in excess
• Cooperate and collaborate with Front Office Departments on roll-overs of interest period on loans and advances are conducted
• Receive meeting requests from Front Office Departments
• Confirm meeting date with the Chairperson and circulate meeting documents in line with the ToR's
• Draft meeting minutes
• Maintaining meeting records and related documents

• BCom Degree in Finance, Economics or related field (Essential)
• Post Graduate qualification in Finance (Desirable)
• 2-3 Years Banking/Financial Services (Essential)
• 2-3 Years Credit/Business Analyses (Essential)
• Analysis of financial statements (Essential)
• Analysis of credit applications for corporate clients (Essential)
• Compile credit assessment reports (Essential)
• General understanding of the function of a bank (Essential)
• Regulations relating to Banks (Desirable)
• MS Office (Excel, Word and PowerPoint)
• Analytical and attention to detail
• Communication
• Time Management

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