Senior Corporate Credit Analyst recruitment
The role holder will have:-
Principle responsibility to maintain and monitor the quality of that part of the lending book falling within its jurisdiction (Europe, Africa and the Middle East), in accordance with Bank policy and the procedures contained in standard instructions.
Specifically the successful candidate will:
*Approve credit / risk lines up to the approval level of the General Manager / Department.
*Review and provide a recommendation on credit / risk line requests above the approval level of the Department.
*Review and monitor the loan portfolio to maintain a balanced and quality driven asset base
*Disseminate and ensure compliance with bank credit policy, regulatory requirements and local laws.
Accountabilities and Responsibilities:
1.To carry out a thorough analysis of credit applications. Based on this, prepare credit reports and recommendations to Management enabling a final credit judgment to be made. Where necessary in order to gain a better understanding of the credit, attend bank meetings or make on-site visits.
2.Monitor developments across specific industry sectors, identifying major risk factors and investigating any adverse developments that may affect existing clients / quality of book; bringing these to the attention of Senior Management.
3.To conduct credit reviews and assess internal ratings on a regular as well as on ad hoc basis.
4.Effectively liaise with, and provide guidance to, the business side on all credit related matters.
Knowledge Skills:
*Good credit analysis and research skills (including cash flow analysis / modeling) ideally gained in a mainstream-banking environment.
*Experience of lending to and analysing major corporate and MBO propositions in the EMEA region
*Ability to understand and interpret balance sheets, PL accounts and cash flows.