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Job Purpose:
- Analyze and recommend Industry Credit Reviews for countries within FID portfolio.
- Assist in Credit Risk assessments/structuring for FI relationship bank proposals and transactions.
- Work closely with RMs and contribute in the creation and renewal of CPs.
- Maintain credit presentation standard.
- Timely identification, recognition and mitigation of credit and operational risks.
- Responsible for ensuring that ICR and CPs are properly presented and include all relevant information.
- Analyze FI portfolio on a regular basis
Key Result Areas:
- Review and run credit controls in line with the bank’s credit policy and local regulatory directives in order to attain a satisfactory risk rating.
- Monitor & ensure timely submission of Industry Credit Review and CPs across the Group.
- Review and submit Credit Proposals for higher level of approval, request received from branches / units to ensure that all relevant risks are adequately analyzed.
- Work closely with internal customers to ensure that all up-to-date relevant information is obtained to conduct a proper evaluation, of assets and country portfolio.
- Review, check and assign where applicable the appropriate risk rating to each credit processed and initiate the change in the rating as the case may be to reflect the true and fair condition of the customer
- Analyze and incorporate the procured information in the credit/marketing presentations.
- Ensure consistent presentation standards
- Work with the respective RMs / SRMs and Business Support and ensure quality end product.
- Work with the respective RMs/SRMs to contribute in the creation and renewal of CPs and on reducing the turnaround time.
Knowledge, Skills, and Experience:
- The job holder should be a University Graduate with a minimum banking experience of 4 years in Credit/ Financial Analysis at similar level in banking /other related field.
- Should possess good analytical skills with thorough awareness of various financial products / services.
- Should have good analytical skills to analyze Banking Industry and analyze individual bank’s capital, asset quality, profitability and liquidity.
- Should be able to understand ALM (Asset Liability Management).
- Should be able to understand FI strategy and growth potential.
- Should be able to understand FI products & Services.
