Background

To support Relationship Managers through the management of the credit analysis function by performing comprehensive industry studies, conducting credit reviews and evaluating risk of credits within the assigned portfolio. The incumbent also assists Relationship Managers in managing relationships with liability customers, especially with after-sales support.

Responsibilities

• Review of credit requests, including review of financial and credit information provided in respect to the corporate clients.
• With the support of the Relationship Manager, prepare credit applications commensurate with credit policy for both facility renewals and onboarding of new facilities.
• Be conversant with the KYC requirements. Undertake actions to ensure compliance. Exercise due care and diligence in ensuring all AML and KYC requirements are complied with.
• Maintain financial information on loan accounts, including financial covenants, spreads, and interim reports.
• Monitor and ensure that there are no excesses that are not approved for both asset and liability customers.
• Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis-à-vis the bank’s credit portfolio.
• Proactive monitoring of the credit portfolio to ensure early detection of problem credits.
• Undertake annual review of security documentation for all corporate accounts.
• Responsible for delivering a service to customers that matches the Bank’s mission statement.
• Reviewing and ensuring compliance to all terms and conditions of the loan facility.
• Other duties as assigned.

Qualifications/Requirements

Experience: 1 – 3 years

Key Words: Corporate Banking

• Support Relationship Managers through the management of the credit analysis function by performing comprehensive industry studies, conducting credit reviews and evaluating risk of credits within the assigned portfolio.
• Assist Relationship Managers in managing relationships with liability customers, especially with after-sales support.
• Review credit requests, including financial and credit information provided in respect to corporate clients.
• Prepare credit applications commensurate with credit policy for both facility renewals and onboarding of new facilities, with the support of the Relationship Manager.
• Ensure compliance with KYC requirements and exercise due care and diligence in ensuring all AML and KYC requirements are complied with.
• Maintain financial information on loan accounts, including financial covenants, spreads, and interim reports.
• Monitor and ensure that there are no unapproved excesses for both asset and liability customers.
• Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis-à-vis the bank’s credit portfolio.
• Proactively monitor the credit portfolio to ensure early detection of problem credits.
• Undertake annual review of security documentation for all corporate accounts.
• Deliver a service to customers that matches the Bank’s mission statement.
• Review and ensure compliance to all terms and conditions of the loan facility.
• Perform other duties as assigned.

• Credit Analysis
• Industry Studies
• Credit Reviews
• Risk Evaluation
• Customer Relationship Management
• KYC Compliance
• AML Compliance
• Financial Analysis
• Economic Analysis
• Problem Credit Detection
• Security Documentation Review
• Customer Service
• Loan Facility Compliance

• Familiarity with KYC requirements.
• Understanding of AML and KYC regulations.
• Knowledge of credit policy.