About this role
Job Responsibilities
• Identify credit and risk management requirements at the initial stage of the credit application
• Evaluate business risk and proposal viability from a credit risk perspective.
• Utilize industry risk analysis available to identify threats to existing and potential clients
• Evaluate credit application memos to ensure that they comply with the bank’s credit and collateral policies
• Analyze business proposals providing sound financial and business justification within acceptable risk parameters relative to profitability.
• Supervise and provide guidance on the work of Business Banking Credit Analysts to ensure quality of credit applications.
• Manage the bank’s commercial credit portfolio on on-going basis and be responsible for transactions within the portfolio. Candidate Profile
• Minimum of a first degree in Finance, Economics, or relevant field.
• A second degree and/or professional qualification in finance related field will be an advantage.
• At least 6 years working experience in Banking and specifically in Credit Admiration and Management
• Have in-depth understanding of the Business Banking
• Working experience in management role.
• Strong Financial Statement and Balance Sheet Analysis Skills and the ability to identify warning signs from a business’ financial statement.
• Strong credit data analysis and credit management skills. • Conceptual understanding of credit policies/principles and how successful it’s application will lead to market success.
• In-depth understanding of financial markets, and the application of the entire range of products and services available to meet the needs of the bank’s Business Banking clients.