Credit Risk Officer (Corporate/Commercial and SME’s)

Job Overview

The role holder is responsible to assess Commercial & SME and Corporate credit applications and produce concise Risk memo
to enable decision making.
Core Responsibilities
 Review and asses credit applications emanating from Business Units and make appropriate
recommendations highlighting critical credit risks with recommended credit enhancement as
deemed suitable and as per Bank’s credit risk policy and procedures and central Bank
 Ensure Borrowers financials are spread as per policy and accordingly assigned proper risk
 Monitor the assigned portfolio and highlight warning signs.
 Build and maintain strong and effective relationship with business partners.
 Peruse the agenda items, understand the credit applications and diligently minute the
proceedings of the weekly Management Credit Committee meeting.
 Hands on experience in usage of Credit Lens or equivalent rating models.
 Attend Management Credit Committee meetings and record minutes and resolutions.
 Adherence to Turnaround Time (TAT) and closely engage with Business partners.
 Possess understanding of business process and controls in all related areas.
 Good grasp of Risk Policies and Procedures of the Bank and Central Bank rule book.
 Keep abreast of market conditions.
 Understand and assess complex cash flows.
Self- Management Responsibilities
 Defines performance goals at the start of the year in discussion with the reporting manager and
ensures that the goals are monitored and achieved during the course of the year.
 Takes ownership of his/her own learning agenda by identifying development needs in consultation
with the reporting manager and working towards bridging the gaps through various means which
go beyond just training.
 Understands the competencies relevant to his/her role, and works towards displaying as well as
developing these effectively.
 Keeps abreast of relevant professional/industry developments, new techniques and current issues
through continued education and professional networks.
 Bachelor’s Degree Business Banking, Finance, or in any other subject or equivalent is required.
Master’s Degree Business Banking, Finance, or in any other subject is preferred.
 Professional Certificate such as CA/CPA/CFA is preferred.
Years & Nature of
 Minimum 5-6 years of practical experience in a bank with 3 years in the same or similar function.
 Analytical Skills
 Credit Skills
 Project Finance and Structured finance deals Skills
 Interpersonal Skills
 Communication Skills
 Decision Making Skills
 Problem Solving Skills
 Time Management
 Adaptability & Flexibility
 Microsoft Skills
 Proactive-ness
 Turnaround time for producing Risk Memo’s and Minutes of MCC
 Monitoring of assigned portfolios to ensure minimal delinquencies.
 Ability to perform on any credit related special projects assigned

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