- Analyze or at times may work with more Senior Credit Officer, to evaluate the risk of adding a particular transaction to the banks loan portfolio.
- Identify additional information requirements needed to properly assess risks of the transaction.
- Understand and assess the customer s business model and its viability in the long run.
- Review and analyze the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business.
- Consider alternative credit structures to mitigate risk where appropriate.
- Recommend action to be taken on credit, identifies key risks and information requirements.
- Ensure that credit facilities presented are properly graded.
- Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements.
- Work independently with limited direct supervision. Serves as a resource for less experienced Credit Officers.
Required qualifications, capabilities, and skills
- Minimum 5 years experience as a credit underwriter or similar position requiring business knowledge and credit judgment.
- Postgraduate or an advanced degree in business management, finance or accounting.
- Ability to formulate and articulate objective views based on professional analysis.
- Thorough knowledge of credit philosophy, Risk Guidelines and policies, loan documentation, bankruptcy and related legal issues.
- Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.
- Good organization skills and ability to work within time constraints in a highly regulated industry.
Employment Type: Full Time, Permanent
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