To partner with the Business Unit/s and become part of the core client assessment team with an aim to bring diversity of skills, disciplines and experiences in the onboarding and early assessment of credit risk and investment that deliver on the company mandate.

To deliver value -added skills and advisory services to the early-stage due-diligence process by appropriately co-identifying the risks being taken and proposing mitigating factors in line with the organization's risk appetite frameworks and applicable standards.

Packaging and offering suitable solutions and mitigations that are aligned to the risk appetite of the Corporation thereby improving the quality of credit submissions and enhancing quicker turnaround, while maintaining an independent view. MAIN DUTIES AND RESPONSIBILITIES

• Participate in Due Diligence investigations with the SBUs & Regional Offices, provide advice on risks to be assumed, mitigating factors and assessing viability of projects.
• Preparing preliminary SWOT analysis and ensuring application of Credit policies and credit appetite framework utilizing approved standard templates.
• Participation in Basic Assessment processes and presenting the Credit Risk Opinion and obtain CEM participation and indication of final credit structure requirements.
• Assist in risk identification and mitigation, ensuring compliance to credit policy and spreading of financials (if not undertaken by business) and provide SBU with “indicative risk grade and pricing”.
• In collaboration with Legal department seek for the adoption of a consistent approach in the drafting of standardized finance documentation across Group Counterparties as appropriate to ensure adoption of consist credit terms.
• Encourage adherence to the organization's stated Risk Appetite levels to front line and encourage conduct be within such stipulated appetite levels.
• Ensure credit submissions are undertaken in strict compliance with the official Credit and Investment submission templates of the organization.
• As part of the integral team dealing with applications, ensure that SBU completed applications are reviewed and edited to ensure fit-for purpose assessment and appropriate risk lens on structure /tenor/products and shareholder contribution using approved company Credit Templates.
• Provide input into the review and enhancement of the company Credit & Investment Template as required.
• Facilitating constructive working relations and healthy working morale between the credit risk department and relevant SBUs.
• Provide appropriate guidance and support during deal development and structuring phases and act as a sounding board throughout the credit on-boarding process.
• Identification and mitigation of project and/or counterparty risks- including the development of a Project risk matrix in conjunction with the relevant SBUs.
• Ensuring that the terms and conditions of credit committee approvals are well documented and executed in the legal agreements and draw documents.
• Participate in the draw-down process and provide independent credit sign-off as required from time to time.,
• Attend and participate client and/or deal structuring meetings prior to DDF and provide advisory credit and structuring services on potential transactions after being cleared for any potential conflict of interest.
• To co-ordinate and share information with Credit Evaluation Manager (“CEM”) in the processing of the new transaction and ensure an option is provided for CEM to attend client meetings if and as required.
• Ensure timely submission of completed and comprehensive final report pack to CEM ahead of submission into the formal Credit and Investment sanctioning process.
• Work with the deal team and including Legal department to ensure deal closure post Committee approval and support on applications requiring waivers and/or changes of approved credit & investment terms, as and when necessary.
• Ensure adherence to the principle of “need to know” by ensuring all information shared is aligned and limited to the credit origination process.
• Perform credit checks and deed searches on prospective and existing clients.
• Attending Credit committees and Executive Policy meetings as and when required.

QUALIFICATIONS: (Formal qualifications)

• CA / B Com post graduate qualification. (Or equivalent degree)
• MBA would be an added advantage.

SELECTION CRITERIA
(Formal qualifications, knowledge, type and length of experience and skills required to perform the job competently)

· 8 to 10 year's relevant experience in a financial institution, 5 years of which must be specifically in the Credit Risk space.
Knowledge and understanding of credit risk and any associated risks prevalent in the financing of transactions/projects.
· Ability to influence stakeholders and team members
· Experience working in a high-level collaborative environment
· Ability to manage multiple competing priorities while building effective relationships
· Extremely organized and persistent, with drive and determination to achieve goals
· Require excellent computer skills and proficiency with Microsoft Office (Excel, Access, Word, PowerPoint)
· Exceptional planning and organizational skills: the ability to handle several complex tasks simultaneously and also coordinate key projects with a variety of stakeholders is essential
· Proven communication skills are essential - must possess great written and verbal skills to be able to work effectively with others.
· Ability to present and communicate technical information in a clear and concise manner
· Must possess the ability to make deductions and meaning from rather complex and abstract situations and make sound decisions from these factors
· Must have the ability to work under pressure and cope with stress in a coordinated and rational decisions even under stressful/ high pressure situations
· Negotiation and interpersonal skills essential to negotiate and influence people towards achieving a predetermined goal

TECHNICAL/FUNCTIONAL COMPETENCIES

• Problem Solving
• Business Acumen
• Report writing Skills
• Strong attention to detail and data validity
• Project Management Skills
• Strong Analytical Skills
• Planning and Organizing
• Client Insights & Focus
• Problem Solving Skills

BEHAVIOURAL COMPETENCIES

• Good Communication Skills Self-motivated and self-driven skills
• Coping with Pressures and Setbacks
• Negotiating and influencing
• Interpersonal Skills