Credit Analyst in Credit Risk

Qualifications & Competencies

Minimum HSC.
Degree in Banking/Finance/Accounting or fully qualified ACCA/CA/CIMA.

Computer literate with sound knowledge of word, excel, PowerPoint and Microsoft Outlook.
Thorough knowledge and understanding of loan granting processes including credit checks, affordability criteria and repayment terms and conditions.
Strong knowledge of Corporate Finance, Structured Trade Finance, Project Finance and Risk Management.
Sound knowledge of Central Bank’s guidelines and other relevant local legislations.

Excellent analytical skills.
Quality oriented, have an eye for details and show strong bias for continuous improvement.
Ability to work under pressure to meet tight deadlines.
Excellent planning, prioritizing and organizational skills.
Excellent team spirit.
Proactive, dynamic and solution provider.
Good interpersonal and communication (oral/written) skills.

Roles and Responsibilities

Assess credit proposals from Corporate and International Banking within agreed SLA/KPI. It would involve completing a comprehensive risk assessment to highlight inter alia, the credit risks involved and how to mitigate these risks.
Ensure alignment of all credit requests with the Bank’s Credit Policy and guidelines and formulate proper recommendations to the approving authority.
Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counter party risks for new or increased facilities.
Assist in reviews of Sovereign and Bank limits.
Proactively research, analyze and manage data from reliable sources with the aim to preempt risks on the credit portfolio.
Assist to produce regulatory reports on credit concentration and related party transactions.

Experience

Minimum 3 years banking experience in Credit /financial analysis

Advantages Offered
Salary commensurate with qualifications and experience, including fringe benefits.

* Bank One reserves the right not to make any appointment following this advertisement.