Job Description

Responsibilities:

Analyze and evaluate financial statements--including balance sheets, profit and loss accounts, and cash flow statements--to assess the financial health of prospective clients and current borrowers. Review credit applications and conduct annual credit assessments, assigning credit ratings for borrower approval. Provide independent credit evaluations and recommendations, ensuring adherence to the Branch's credit policies and procedures. Collaborate closely with internal teams to meet business objectives while maintaining acceptable risk levels. Conduct thorough research on key industries and develop branch-specific credit policies accordingly. Monitor corporate loan portfolio performance to ensure alignment with the bank's overall credit risk strategy. Review and validate credit decision processes and credit models, identifying opportunities for improvement. Develop or update branch policies and procedures in line with Head Office guidelines, audit requirements, and regulatory standards. Handle ad-hoc projects and other assignments as directed by the Deputy Head of Department.

Requirements:

Bachelor's degree from a recognized institution. At least 5-10 years of experience in credit risk, preferably within banking Strong background in structured trade and commodity finance, as well as project finance--including sectors such as aircraft and shipping leasing, transportation, and logistics.
23C1935


R1105492