Job Purpose 

To provide credit risk analysis expertise in support of the Bank's commercial activity in all product lines and with all types of counterparties. 

The successful Credit Analyst will review the following:

- Credit Applications allocated based on the agreed responsibility schedule delegated by the Head of Credit Underwriting. 
- Credit Applications that reflect large limits and/or higher risk counterparties 


 Principal Responsibilities & Accountabilities 

• To review Corporates and Financial Institutions with which the bank has or is proposing to have a relationship by analysing the latest financial information and assessing the risk. 
• To ensure that reviews are undertaken in a timely manner by obtaining the necessary information in advance.
• To provide a consistent level of good risk appraisal, outlining the risks, strengths and weaknesses of the proposal and adding value in providing suggestions to strengthen the proposal. 
• To provide clear and unambiguous recommendations of the risk proposals. 
• To ensure a timely turnaround of credit proposals and reviews. 
• Ensure that credit proposals adhere to the Bank and Group Credit Policy. 
• To refer unsuitable proposals at an early stage to the Head of Credit.
• To monitor current developments which may affect any of the Bank's customers and recommend appropriate action, if necessary. 
• To have an understanding of regulatory requirements relating to Financial Institution customers. 
• To visit the Bank's customers, and potential customers, when required.
• To attend IBCC meetings and present credit applications to the committee, if necessary.
• Support the Head of Credit Underwriting and Head of Credit in ad hoc risk-related special tasks and projects, such as the preparation of risk acceptance criteria, as well as coordinating with other risk units in relation to policy/operation procedures/implementation.
• To comply with all relevant external legal, regulatory and reporting requirements.

Job Requirements: 

Knowledge