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Our client an International Bank is seeking a Senior Credit Analyst to join their team on a permanent basis. The successful candidate will minimise the Banks credit-related losses by identifying and reasonably measuring the credit risks and mitigates in proposals, reviews etc.
Main Responsibilities & Accountabilities:
? Provide effective challenges as well as guidance to the proposals from Front Office; Draft and present credit opinions to Credit Committee, by maintaining an objective and independent view within the credit process, in accordance with the Banks credit policies.
? Effective management of the assigned credit portfolio (including annual reviews, waivers, amendments, etc.) through a responsible, forward-looking and risk-conscious assessment in compliance with the relevant policies and credit standard.
? Proactively adopt the principles of Global Credit policy, ensuring that all proposals and reviews conform to the agreed procedures. Regarding the Global Credit Management System (GCMS), liaise where necessary with Front Office, Credit Administration, Treasury and other Group entities, in order to utilise GCMS as part of the credit process.
? Perform credit review and research of industry / customer-related information for all new proposals and (on at least an annual basis) for existing customers.
? Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed Departmental objectives.
? Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
? Coordinate with the Head/Deputy Head of Credit Risk, Credit Administration, and Relationship Managers in connection with credit proposals / modifications / annual reviews and clients financial performance monitoring.
? Post-lending management, including (but not restricted to):- assisting Credit Administration in four-eyes checking of facility documentation; asset quality categorisation; covenants monitoring; ensuring that terms and conditions of approval are actioned by the appropriate departments in accordance with agreed deadlines.
? Assist the Head/Deputy Head of Credit Risk on departmental related.
? Communicate with HO and complete some reports requested by HO or senior management.
? Other functions and tasks as maybe required to assist the Head/Deputy Head of Credit Risk.
? Other tasks as directed by the department supervisor and manager
? Possesses a minimum of 5-10 years' of corporate banking experience in lending or related activities
? In-depth knowledge and deep understanding of risks and mitigations across different industries, countries and clients type. Business and economy related know-how, and excellent financial analysis, projection and stress test skills.
? Exceptional analytical and negotiation skills and dedicated problem solver with a positive personality and can-do attitude.
? Collaborative personality and ability to complete tasks independently.
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