Credit Risk Control Analyst

Are you an experienced Credit Risk Control & Analyst?

We have an exciting opportunity for you!

Responsibilities Include:


Daily review and recommendation of all credit facilities and credit product products.
Ensure compliance with the Bank Credit Risk Policy Guide and documentation facility approval memorandum in the analysis of credit requests.
Carry out the spreading, analysis and interpretation of financial statements.
Quantitative and qualitative assessment to identify and quantify the financial and business risks of customers.
Assign credit ratings to all customers by using internally developed and approved rating methodologies and models.
Monitoring and management of credit portfolio to ensure the achievement of high-quality loan book with NPL less than 1%.
Assessment or understanding of the operating environment (i.e. country, industry, regulatory and legal risk) and how it impacts the risk profile of the Bank credit portfolio.
Evaluate customers' loan applications in line with the bank's credit risk policy guide.
Independent review and assessment of the credit and financial profiles of the bank's target market across industry segments, including financial institutions.
Understand applicable credit policies, industry regulations and the requisite impact of those governance items on prospective new partners or product initiatives.
Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
Continuously ensure alignment/compliance to the credit risk management framework.
Continuously analyze and recommend improvement on credit risk management framework, processes and systems.
Regular stress testing of the Bank’s balance sheet and preparation of Internal Capital Adequacy Assessment Process (ICAAP).
Preparation of regulatory reports.


 

Requirements

Education/Qualification


A Bachelor of either Finance, Business Administration, Economics, or any related field.


Experience


A minimum of 6 years of experience in Credit Risk Control and Analysis.


General Knowledge and Skills


Knowledge and understanding of legal issues relating to security, relevant legislation or regulatory requirements, including IFRS 9, Basle II and III.
Knowledge and understanding of financial statements.
A good understanding of credit ratings, portfolio management and credit pricing.
Good understanding and knowledge of the Prudential Guidelines.
Good understanding and knowledge of the different industries 
Credit risk and loan assessment
Good knowledge of MS Office and Finacle Banking Software.
Good knowledge, analysis and interpretation of financial Statement.
Ability to motivate colleagues to meet set targets and goals.