Job Summary
Main purpose of the Job:
To carry out comprehensive credit risk management for the branch
Duties & Responsibilities:
- To analyze credit applications made by the corporate banking and treasury departments, including risk review of internal credit ratings and post-loan management reports.
- Review credit limit and transaction application and provide risk review opinions
- Review credit rating applications and provide credit rating validations
- Administer the Drawdown Centre process and procedure
- Ensure the above complied with internal policies and procedure manuals
- Ensure policy compliance
- Monitor counterparty and industry concentration risk
- Monitor credit limit expiry and credit limit renewal
- Monitor the monthly post lending reporting and issue risk review opinion
- Monitor annual review of loans and advances
- Monitor internal credit rating validity and credit rating renewal
- On-going post lending monitoring
- Identify and evaluate significant increases in credit risk
- Measure the impact of adverse news, ESG risk, RAD triggers on assets / counterparties
- Trigger loan / asset risk classifications reviews
- Make risk-based recommendations for the various committee
- Cooperate and collaborate with Front Office Departments to obtain condonations for breaches of any policy requirements
- Maintain the credit limit and credit rating expiry monitoring tool
- Maintain the annual post lending monitoring tool and ensure annual reports are completed
- Take responsibility for reminding Front Office Departments to follow up on exposures in excess
- Cooperate and collaborate with Front Office Departments on roll-overs of interest period on loans and advances are conducted
- Receive meeting requests from Front Office Departments
- Confirm meeting date with the Chairperson and circulate meeting documents in line with the ToR's
- Draft meeting minutes
- Maintaining meeting records and related documents
Requirements:
- BCom Degree in Finance, Economics or related field (Essential)
- Post Graduate qualification in Finance (Desirable)
- 2-3 Years Banking/Financial Services (Essential)
- 2-3 Years Credit/Business Analyses (Essential)
- Analysis of financial statements (Essential)
- Analysis of credit applications for corporate clients (Essential)
- Compile credit assessment reports (Essential)
- General understanding of the function of a bank (Essential)
- Regulations relating to Banks (Desirable)
- MS Office (Excel, Word and PowerPoint)
- Analytical and attention to detail
- Communication
- Time Management
*If you do not hear from us within 2 weeks, consider your application unsuccessful or alternatively send your CV to recruitment@jelocorp.com for possible employment opportunities.