Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, enhancement requests, refinancing and annual due diligence.
Provide recommendations tied to analysis and assessment of credit risk to management, especially providing insights into a borrower’s ability to repay.
Developing models, both mathematical and statistical that directly relates to measuring risk.
Ensure availed limits/credit lines are renewed on timely basis.
Periodic assessment of asset book performance for management purposes.
Keep up to date with the GHIB’s lending protocols.
Review internal gradings applied by BDM to each customer and ensure their accuracy.
Review legal documentation underpinning transactions and ensure they are in order.
Gain knowledge and understanding of client’s business.
KEY RESULTS AREAS:
Support for the Head and Deputy Head of Credit Risk in providing the following functions:
Credit Limits: Timely renewal of credit limits/lines, ensuring that credit proposals are submitted and approved at the appropriate levels to ensure business continuity.
Record Maintenance: ensure departmental filings are accurate and up to date.
Loan Documentation: Prepare Loan Agreements to incorporate all terms & conditions, protective clauses, and covenants to underpin availed loan facilities; where necessary, liaise with external counsel to review all legal documentation pertaining to a transaction and confirm satisfaction prior to funding.
Reporting: Providing relevant reports to management, including economic research and country reports.
Structuring: Collaborate with Client Coverage in preparing term sheets and to ensure that deals, facility structures and documentation are in line with credit policy and conform to approvals.
Customer Due Diligence: Liaise with relevant departments to ensure that CDD where required is performed satisfactorily.
Relationship Managers; Credit Committee; Legal Counsel and Other Stakeholders.
Efficiently evaluating credit applications.
Analyzing periodic market patterns and articulating impact on asset book quality.