Responsibilities or duties

• Quality of market intelligence information to support credit analysis.
• Quality of credit reports for credit committee reviews
• Adequacy of personal competence to effectively perform Credit analysis tasks.
• Quality of credit portfolio information and credit portfolio maintenance
• Minimization of exposures to and impact of risks associated with KYC and AML.
• Consistency in adherence to and application of established policies, processes, procedures and tools to achieve optimal efficiency, compliance and cost containment.
• Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis a 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
• DAILY 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 on-boarding 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 is no excesses that are not approved for both assets and liability customers

KEY RESULT AREAS

• Perspective
• Measurement Dimensions
• People
• Competence Development
• Customer Focus
• Standards for credit analysis reports
• Standards for credit portfolio reports
• Customer satisfaction
• KYC compliant customers
• Business Systems & Infrastructure
• Productivity or resource utilization standards or benchmarks
• Audit ratings
• Implementation of capability development and change programs
• Financial Performance
• Expense control targets

• Quality of market intelligence information to support credit analysis.
• Quality of credit reports for credit committee reviews
• Adequacy of personal competence to effectively perform Credit analysis tasks.
• Quality of credit portfolio information and credit portfolio maintenance
• Minimization of exposures to and impact of risks associated with KYC and AML.
• Consistency in adherence to and application of established policies, processes, procedures and tools to achieve optimal efficiency, compliance and cost containment.
• Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis a 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
• 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 on-boarding 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 is no excesses that are not approved for both assets and liability customers