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Job Description
JOB SUMMARY
To complete refined credit analysis and risk evaluation by reviewing; managing and approving Corporate Credit proposals for an assigned credit portfolio to maintain quality of the bank’s assets.
ACCOUNTABILITIES
Credit Risk Evaluation:
- Provide an ‘all in’ risk assessment in accordance with ADCB (Uniform Credit Culture) principles for a designated portfolio and recommend/approve/rework and/or reject depending on DLA of a credit proposal based on the merits of the case to ensure a sound loan portfolio loan quality; minimise loan loses and maximise return on investment
Credit Assessment Quality:
- Ensure credit assessments and new assets booked maintain or improve the average rating of the portfolio and risk adjusted return on capital (RAROC) to maintain quality of the bank’s assets
Portfolio Management and Control:
- Monitor and manage assigned portfolio to ensure average credit rating/RAROC does not deteriorate
Capital Implications and Risk Weighted Assets:
- Review the categorisation of capital implications in risk assessment notes associated with each type of asset class to ensure capital adequacy is accurately calculated
Legal Risk:
- Review proposals to ensure these are accurately legally structured in line with local and international standard documentation (such as LMA and ISDA) in order to minimise loss for the bank
Macro-Economic Environment:
- Review loan proposals in the context of the prevailing macro-economic environment in order to reduce the banks’ exposure to higher risk economic segments
Risk Systems:
- Review the input/capture different asset types accurately in the bank’s core banking systems to enable accurate reporting
Project Management:
- Participate in risk related projects in order to ensure implemented in a manner which supports the risk management framework for the bank
Skills
MINIMUM EXPERIENCE
- At least 10 years of experience in banking, with at least 6 years in credit risk management in a commercial banking environment and at least 3 years in position of credit manager/relationship manager
MINIMUM QUALIFICATIONS
- Bachelor’s Degree in Business, Economics, Finance or Accounting
KNOWLEDGE AND SKILLS
- Risk Analysis/Assessment/Management
- Financial Analysis/Assessment
- Microsoft Office
Job Details
Preferred Candidate
About This Company
