Minimum of 3-5 years experience in Credit & Marketing
Credit analysis to diagnose and evaluate the Credit risks of an assigned portfolio as well as monitoring the Bank's exposure and analysing the profitability clients generate for the Bank.
Preparation of credit appraisals on new credit limits / applications involving calculation of standard ratios.
Make suitable recommendations in terms of amount to be sanctioned, acceptability of the risk, terms and conditions of the sanction, pricing etc and presenting credit appraisal note to the appropriate credit committee.
Reviewing transaction documentation.
Liaising with agent banks, lawyers etc to facilitate the due diligence process, both internally and externally.
Handling of portfolio management involving client meetings. Monitoring of allocated portfolio and industries for material developments affecting credit quality.
Preparing annual reviews by assigning risk ratings, addressing all relevant risks.
Preparation of monthly reports, financial returns for presenting to the credit committee.
Maintaining ongoing effective management of Credit risk.
A good understanding and background in the following: