Description:
Main purpose of the Job:To carry out comprehensive credit risk management for the branchDuties & Responsibilities:To analyze credit applications made by the corporate banking and treasury departments, including risk review of internal credit ratings and post-loan management reports.Review credit limit and transaction application and provide risk review opinionsReview credit rating applications and provide credit rating validationsAdminister the Drawdown Centre process and procedureEnsure the above complied with internal policies and procedure manualsEnsure policy compliance Monitor counterparty and industry concentration riskMonitor credit limit expiry and credit limit renewalMonitor the monthly post lending reporting and issue risk review opinionMonitor annual review of loans and advancesMonitor internal credit rating validity and credit rating renewalOn-going post lending monitoringIdentify and evaluate significant increases in credit riskMeasure the impact of adverse news, ESG risk, RAD triggers on assets / counterpartiesTrigger loan / asset risk classifications reviewsMake risk-based recommendations for the various committeeCooperate and collaborate with Front Office Departments to obtain condonations for breaches of any policy requirementsMaintain the credit limit and credit rating expiry monitoring toolMaintain the annual post lending monitoring tool and ensure annual reports are completedTake responsibility for reminding Front Office Departments to follow up on exposures in excessCooperate and collaborate with Front Office Departments on roll-overs of interest period on loans and advances are conductedReceive meeting requests from Front Office DepartmentsConfirm meeting date with the Chairperson and circulate meeting documents in line with the ToR'sDraft meeting minutesMaintaining meeting records and related documentsRequirements:BCom Degree in Finance, Economics or related field (Essential)Post Graduate qualification in Finance (Desirable)2-3 Years Banking/Financial Services (Essential)2-3 Years Credit/Business Analyses (Essential)Analysis of financial statements (Essential)Analysis of credit applications for corporate clients (Essential)Compile credit assessment reports (Essential)General understanding of the function of a bank (Essential)Regulations relating to Banks (Desirable)MS Office (Excel, Word and PowerPoint)Analytical and attention to detailCommunicationTime Management
18 Apr 2024;
from:
gumtree.co.za