Job Purpose
Facilitate the generation of revenue and assist the business strategic priorities in close working relationship with Business Banking, and Corporate & Investment Banking stakeholders.
Support the Credit leadership in management of impairment and other losses to ensure these are within agreed budgets / forecasts.
Improving the control environment for risk activities.
A credit professional acting as credit expert to the relationship team and the conduit to the Credit Risk function for sanctioning purposes.
Improve and deepen understanding of our clients needs through joint client visits with the assigned portfolio Relationship Managers. .
Responsible for developing practical and appropriate credit solutions (i.e. lending structures) through understanding customers’ needs.
Delivering high quality and consistent, credit applications and making sound recommendations.
Monitor and control accounts within designated portfolios to ensure early detection of signs of credit deterioration and taking appropriate actions.
Maintain integrity of Commercial Credit Risk System (CCRS) data ensuring customer is accurately updated.
Responsible for championing Credit policy issues to the designated portfolio and relationship teams through attendance of industry and portfolio meetings.
Responsible for efficient use of Bank capital by challenging pricing of facilities within their portfolio and ensuring borrowings to customers meet the minimum required return for the bank.
Ensuring Risk Key performance measures are captured correctly and in a timely manner to aid in performance management and decision making.
Technical skills / Competencies
Education and Experience Required
Bachelors degree or equivalent and/or the ACIB
Knowledge of credit analysis techniques
Accreditation on use of the Commercial Credit Risk system would be an added advantage
Knowledge, Expertise and Experience
Mandatory
Proven experience in a Credit role at a Management level gained within the Bank or a financial organisation
Excellent understanding of credit and associated risks
Experienced user of Commercial Credit Risk System (CCRS) or a similar system to analyse, monitor and report on credit applications.
Good interpersonal skills that have been proven in a Business or Credit environment at a management level
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