Senior Officer (Credit Risk)

Duties & Responsibilities

Credit Analysis & Underwriting

• Assess Creditworthiness: Evaluate loan applications and corporate financial statements using the 5 Cs of credit (Character, Capacity, Capital, Collateral, and Conditions).
• Loan Structuring: Collaborate with relationship managers/underwriters to optimize credit terms while mitigating risk.
• Risk Rating: Assign accurate internal risk ratings to borrowers to reflect their probability of default based on sector, market, and counterparty financial health.

Portfolio Monitoring & Reporting

• Ongoing Surveillance: Track the financial health of existing borrowers and counterparties to detect early warning signs of distress.
• Portfolio Analytics: Prepare sensitivity, concentration, and performance trend reports for senior management and risk committees.
• Asset Management: Monitor problem assets, past-due loans, and overdrafts to prevent defaults and Non-Performing loans.
• Reporting: Prepare periodic portfolio risk reports, highlighting concentration risks, performance trends, and compliance with the bank’s risk appetite.

Policy, Compliance and Governance

• Regulatory Adherence: Ensure all credit activities align with local central bank regulations and internal credit risk policies and guidelines.
• Policy Review: Recommend updates to credit policies, procedures, and loan guidelines to maintain portfolio health.

Stakeholder Collaboration

• Committee Presentation: Present detailed credit proposals and risk evaluation reports to loan committees or senior management for final approval.
• Cross-functional Support: Act as an independent advisor to front-office teams, legal, and compliance.

Requirements

• Financial statement & Cash flow Analysis: Ability to deeply review balance sheets, income statements, and cash flow forecasts to assess the borrower’s repayment ability.
• Risk Modeling & Stress Testing: Experience building and utilizing financial models to predict risk outcomes and simulate default scenarios under adverse economic conditions.
• Regulatory & Compliance Knowledge: Strong understanding of local banking regulations and international risk frameworks (e.g., Basel guidelines, IFRS 9, probability of default, etc.).
• Sector & Macroeconomic Awareness: Keeping up-to-date with industry trends, market developments, and economic climates to make informed, forward-looking lending decisions.
• Advanced MS Excel: High-level capabilities in using Excel for data manipulation, pivot tables, and scenario analysis.
• Clear Communication: The ability to write concise credit memos and explain complex risks clearly to senior executives, branch staff, and loan committees.