Job Description
To support the Business in managing credit risk by using appropriate judgement and commercial credit experience to assess credit worthiness of a customer. Ensure that overall quality of accounts are within acceptable risk parameters and remain within Bank’s lending policies and guidelines.
Key Accountabilities
- Lead the process of CREDIT FACILITY REVIEW (CFR) with a high quality analysis of credit applications for Wholesale Banking customers. Adequately structure facilities adhering to defined risk levels and make sensible recommendations with practical and acceptable risk mitigating conditions to the approving authorities under the delegated credit authority.
- To have a quality & effective one-to-one pre-deal discussions with the Business and Credit Team and reach an acceptable proposition which addresses the concerns of relevant stakeholders. The discussion should be reflective in the credit applications or agreed upon through subsequent emails. Any unresolved issues are to be documented for record by email.
Skills
Other Accountabilities
- Accurate spreading of financials and analysis in the Credit Lens and carry out appropriate re-classifications wherever necessary and ensure that customer grading of account is appropriately done and reflects the underlying risk.ayst WQartar
