Description

• Minimum of a first degree in Finance, Economics, or relevant field. A second degree and/or professional qualification in finance related field will be an advantage.
• At least 6 years working experience in Banking and specifically in Credit Admiration and Management
  Have in-depth understanding of the Business Banking.
• Working experience in management role.
• Strong Financial Statement and Balance Sheet Analysis Skills and the ability to identify warning signs from a business' financial statement.
• Strong credit data analysis and credit management skills.
• Conceptual understanding of credit policies/principles and how successful it's application will lead to market success.
• In-depth understanding of financial markets, and the application of the entire range of products and services available to meet the needs of the bank's Business Banking clients.

• Strong Team Building Skills
• Ability to work with immediate team members to ensure that time, quality and
  other set standards are achieved

• Excellent communication and listening skills
• Display a high sense of integrity and professionalism
• Analytical, numerical and problem-solving skills
• Strong time management skills
• Team player
• Ability to work under pressure
• Good PC skills
• High sensitivity to risk issues
• Good Negotiating Skills

• Identify credit and risk management requirements at the initial stage of the credit application, valuate business risk and proposal viability from a credit risk perspective
• Utilize industry risk analysis available to identify threats to existing and potential clients
• Evaluate credit application memos to ensure that they comply with the bank's credit and collateral policies
• Analyze business proposals providing sound financial and business justification within acceptable risk parameters relative to profitability.
• Manage the bank's commercial credit portfolio on on-going basis and be responsible for transactions within the portfolio.

• Achieve operational excellence in all aspects of procedures and processes undertaken to ensure satisfactory audit.
• Abide by the bank's Information Security Management Systems policies and procedures
  Safeguard the bank's information assets in accordance with its ISMS policies and procedures.
• Ensure compliance with operations risk requirements e.g. KYC and money laundering.

• Ensure prompt and adequate compliance responses to Sanctions and AML/CFT enquiries sent in by Compliance department
• Take part in all annual mandatory refresher training organized by Compliance
• Report all suspicious or fraudulent activities to Compliance or via whistle blowing toll-free line.
• Signs off all PEP accounts and the Combined Risk Framework.
  
  COMMUNICATIONS AND WORKING RELATIONSHIPS
  • Business Development Managers
  • Business Banking Relationship Managers
  • Director Business Banking
  • Credit Analysts
  • Competitor Institutions in the country
  • Credit Risk Team Banking
  • Unit Heads within other Business and Support Units

• Abide by the bank's ISMS (Information Security Management Systems) policies
  and procedures
• Safeguard the bank's information assets in accordance with its ISMS policies
  and procedures