Credit Analyst – Commercial Banking

Key Responsibilities

Ensure all credit proposals adhere to the laid down procedures, policies, Banking Act, Prudential Guidelines, Islamic rules and regulations and various product programs while ensuring that any policy breaches are properly authorized at the correct approval level.

Analysis of commercial and business banking credit proposals and recommendation of quality assets to enable the next line of authority to make an informed decision.

Ensure all credit proposals are analysed in terms of general credit worthiness, risks and mitigation thereof, adequacy of security, documentation compliance, compliance with individual/group exposure limits, covenants compliance, sectoral limits/concentration, country limits and signing off on the proposal.

Analysis of the Treasury credit proposals including money markets, foreign exchange forwards/ SWAPs amongst others.

Ability to analyse and interpret the financial statements and cashflow projections for companies, Financials of Banks and other /Financial Institutions accurately.

Support the business teams in new business origination by accompanying them for clients’ visits and guiding them in preparation of the appraisal documents.

Review new product programs and the existing ones to ensure the various risks are well mitigated.

Co-ordinate with other departments which are involved in the process of granting credits e.g., Commercial Banking, Treasury, Business Banking etc., and analyze workflow and business processes for the implementation of approved facilities.

Monitor compliance with the credit policies and procedures and make any necessary recommendations for changes where necessary for consideration on an annual basis.

Monitor changes and trends for various business segments financing portfolio on a periodical basis, analyses reasons for the changes and discusses it with the Head of Credit.

Review of monthly MIS of the portfolio managed covering exception reports, utilization of facilities, past-dues, expired credits, concentration of risk covering group exposure and industry concentration.

Propose changes to the economic sector’s limits in line with financing projections from business units and concentration risk considerations.

Ensure that the service levels are adhered to in relation to the agreed TAT levels.

Dimensions / Context (scope of the job – responsibility for managing)

Manage Credit Risk Approval process of Limits for New and Existing Customers including one off deals with a direct impact to the revenue and budgeted revenue/income targets.

Ensure that the return on Credit Risk is in line with market and not under-priced that may have a direct impact on the revenue targets of the Bank.

Provide feedback on Policy matters and implementation of the Bank’s Policy.

Industries:Banking

Function: Accounting and Finance