Job Purpose:

To provide to the relevant internal committees of the bank an independent credit risk assessment of a range of global financial institutions, sovereign states, and corporates to facilitate the appropriate sanction of credit lines.

This assessment is both quantitative and qualitative in nature, providing a detailed risk analysis of the most recent financial accounts, the macro environment in which the entity operates and less tangible factors such as management quality.

Main

Responsibilities:


* To undertake the credit risk analysis in relation to a portfolio of financial institution and corporate borrowers and counterparties.

* To undertake the ongoing credit risk monitoring of such portfolio.

* To assess the credit risk of new and renewal credit applications for financial institution and corporate borrowers and counterparties.

* To prepare financial spreadsheets of the borrower/counterparty’s financial position in relation to balance sheet, profit and loss and cash-flow information and to write the accompanying credit analysis report to assess the credit risk of the proposal, using CAMEL methodology, as appropriate, for financial institutions.

* To consider all information as may be appropriate to analyse the credit risk including from rating agencies; other financial institutions (brokers and banks); general market sources, including credit rating agencies (Fitch, Moody’s) credit information tools; Dun & Bradstreet and Bloomberg as required.

* To monitor a designated portfolio of accounts on an ongoing basis and to prepare timely updates on all aspects of those accounts which may affect the credit risk.

* To structure credit proposals and formulate and present credit applications with a view to improving the quality of the presentation and the soundness of the credit risk.

* To monitor and manage the flow of such credit proposals to ensure their timely submission to the Credit Committee.

* To co-ordinate with the Credit Administration and Control area to ensure the correct interpretation, administration, and monitoring of the credit portfolio.

* To co-ordinate with the product units within the Bank in relation to new/amended credit risk limits.

* To assist in the preparation of periodic reports for Senior Management.

* To carry out special studies of industries, financial institutions and market practices and any other duties as directed and as may be required from time to time by the Management.

Experience & Skills required:

* Minimum 5 years’ experience in bank credit analysis.

* Relevant degree.

* Excellent written English