Are you an experienced Credit Risk Control & Analyst?
We have an exciting opportunity for you!
Responsibilities Include:
• Daily review and recommendation of all credit facilities and credit product products.
• Ensure compliance with the Bank Credit Risk Policy Guide and documentation facility approval memorandum in the analysis of credit requests.
• Carry out the spreading, analysis and interpretation of financial statements.
• Quantitative and qualitative assessment to identify and quantify the financial and business risks of customers.
• Assign credit ratings to all customers by using internally developed and approved rating methodologies and models.
• Monitoring and management of credit portfolio to ensure the achievement of high-quality loan book with NPL less than 1%.
• Assessment or understanding of the operating environment (i.e. country, industry, regulatory and legal risk) and how it impacts the risk profile of the Bank credit portfolio.
• Evaluate customers' loan applications in line with the bank's credit risk policy guide.
• Independent review and assessment of the credit and financial profiles of the bank's target market across industry segments, including financial institutions.
• Understand applicable credit policies, industry regulations and the requisite impact of those governance items on prospective new partners or product initiatives.
• Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
• Continuously ensure alignment/compliance to the credit risk management framework.
• Continuously analyze and recommend improvement on credit risk management framework, processes and systems.
• Regular stress testing of the Bank’s balance sheet and preparation of Internal Capital Adequacy Assessment Process (ICAAP).
• Preparation of regulatory reports.
Requirements
Education/Qualification
- A Bachelor of either Finance, Business Administration, Economics, or any related field.
Experience
- A minimum of 6 years of experience in Credit Risk Control and Analysis.
General Knowledge and Skills
• Knowledge and understanding of legal issues relating to security, relevant legislation or regulatory requirements, including IFRS 9, Basle II and III.
• Knowledge and understanding of financial statements.
• A good understanding of credit ratings, portfolio management and credit pricing.
• Good understanding and knowledge of the Prudential Guidelines.
• Good understanding and knowledge of the different industries
• Credit risk and loan assessment
• Good knowledge of MS Office and Finacle Banking Software.
• Good knowledge, analysis and interpretation of financial Statement.
• Ability to motivate colleagues to meet set targets and goals.
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