Job Description
Our client is a Global Banking Group.
Principal Purpose of the Job:
Minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviews etc. Make clear and unambiguous recommendations to Credit Committee, in accordance with the Bank’s credit policies, regarding the acceptability of particular business deals from a credit perspective while maintaining an independent and objective view within the credit process. Effectively monitor, identify and reasonably measure credit risk within the Bank’s asset portfolio.
Reporting Relationship:
The Credit Risk Department is in charge of the Credit Approval and Credit Management functions. This role will report to the Deputy Head/Manager in Credit Risk Department who is in charge of the credit approval work in CRD.
Main Responsibilities & Accountabilities:
1. Provide credit evaluation reports for various credit products, including an overview of transactions, financial and non-financial risk analysis, key risks identified with associated mitigation, and credit recommendations.
2. Assist with the implementation of credit risk appetite, credit policies and procedures, and management processes.
3. Ensure credit transactions comply with credit policies.
4. Focus primarily on commodity finance business while also covering other sectors based on proposals from front office.
5. Provide effective challenges and guidance to proposals from Front Office; draft and present credit opinions to Credit Committee while maintaining an objective and independent view.
6. Achieve timely turnaround of credit proposals and reviews in accordance with pre-agreed departmental objectives.
7. Provide Head of CRD and DGM (credit) with professional risk analysis and appropriate risk mitigation measures in a timely manner.
8. Conduct post-lending management work, including monitoring credit ceilings and exposures, financial performance of borrowers, and compliance with conditions throughout the loan life.
9. Perform credit reviews and research of industry/customer-related information for new proposals and existing customers at least annually.
10. Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
11. Other functions and tasks as required to assist the Head/Deputy Head of Credit Risk.
Skills Required:
Possesses a minimum of 8-10 years' work experience in credit review area in Commodity Finance. In-depth knowledge and understanding of risks and mitigations across different industries, countries, and client types. Excellent financial analysis, projection, and stress test skills. Exceptional analytical and negotiation skills, with a positive personality and can-do attitude. Collaborative personality with the ability to complete tasks independently.
Our client is an equal opportunity employer and ensures that no applicant is subject to less favourable treatment on the grounds of gender, marital status, race, colour, nationality, ethnic or national origins, age, sexual orientation, responsibilities for dependants, physical or mental disability. Candidates are selected for interview based on their skills, qualifications, and experience.
Please note that we can only consider candidates who are eligible to work in the UK and are able to provide relevant supporting documentation.
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