Job Purpose
Manage the credit analysis team and its resources and its dealing with business counter parts. Prepares or review written credit analysis reports on new lending proposals and on annual reviews to evaluate risks involved in extending facilities to individuals, corporations, Financial Institutions and public organizations. Observes quality and service levels set for the team and the department.
Principal Accountabilities & Duties
* Preparing analytical reports assessing the level of risk in the extension of new credit facilities and review/renewal of existing facilities for individuals and corporations in accordance with the bank’s Standards and procedures. This entails spreading the financial statements, analysing the risk and writing of the credit recommendations, for complex credits
* Preparing analytical reports assessing the level of risk in the extension of new credit facilities and renewal of existing facilities for banks and other financial institutions.
* Undertake the quarterly IFRS 9 Expected Credit Loss Analysis as per target operating model, as implemented by the bank.
* Adhere to the guidelines for climate risk analysis as outlined in the CPM
* Conducting political and economic analysis of assigned countries and maintain current knowledge of certain assigned industries to prepare relevant study on economic trends in industry sectors and to assess industry risk.
* Review MIS reports produced by and for the departments to ensure robust exception controls.
* Contact banks, trade and credit agencies and others to obtain credit information.
* Visit with Account Officer existing clients of the bank to improve understandings of their operations and finances.
* Maintaining and updating files with information on borrowers.
* Observe the departmental quality standards on service level agreements and participate in enhancing these standards.
* Assist in carrying out any special project as assigned by Head of department.
Risk & Regulatory Duties
* Maintain knowledge of all applicable regulatory requirements including the Bank’s Risk and Compliance policies and procedures and adhere to these to avoid exposing the Bank to undue risk.
* Report policy/procedure breaches and areas of potential non-compliance and suspicions promptly upon identification in accordance with the Bank's Risk and Compliance policies.
* Accurately execute all controls within own area to minimise risk of policy, procedure, and/or regulatory breaches.
* Identify new risks/control gaps within own area and escalate accordingly to your Line Manager and/or Head of Department.