Job Summary
To support the credit risk process through carrying out comprehensive and quality credit risk functions within the credit lifecycle for CIB Mid-Corporate clients.
Job Description
Risk Management:
To conduct quality credit risk assessments and reviews and proactively manage credit risks associated with clients across the Mid-corporate portfolio.
Perform robust financial and non-financial analysis on the client that will support and underpin all new proposals in terms of the client's credit risk implications.
Proactively manage the credit risk on the portfolio by completing timely reviews, ensuring securities and conditions are up to date and monitored
Monitor the client performance on a continuous basis, in addition to performing annual reviews of clients, to ensure early detection of a client's business or operating environment.
Governance and controls:
Conduct all client risk assessments and portfolio monitoring in compliance with all the relevant governance and policy frameworks.
Ensure that all covenants are measured and reported during the review or new credit application process
Ensure that all excesses are monitored, cleared and/or escalated within KPI targets
Data and Systems Management:
To produce relevant management information and manage exposures including the maintenance of relevant systems.
Drive RWA efficiencies through ensuring that the data in terms of Default Grades (DG's), Loss Given Defaults (LGD's), limits and review dates are correctly captured on the Bank's credit systems
Business Enablement:
Provide solution driven support to business to facilitate growth initiatives, whilst maintaining a healthy balance between risk and reward.
Actively partake and provide input into Deal Forums ensuring that credit risk associated with business opportunities are pro-actively highlighted and managed.
Education
Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
