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Job Description
Job Purpose:
Evaluate Wholesale Banking Division loan applications and ensure that a quality portfolio is built through detailed credit assessment and superior data integrity techniques.
Credit & Controls: -
• Conduct a detailed analysis for credit quality and data integrity
• Recommend prudent Credit decisions based on the potential as well as risks involved in the lending proposal
• Identify groups’ exposure and to update senior management on the same to ensure proper tracking of any negative source, or no breach of policy.
• Monitor exposure / portfolio / industry concentration on a regular basis to ensure the portfolio is maintained within good standards
• Comply with Rakbank / Central Bank / Audit requirements at all times and ensure adherence to the laid down policies and Operating procedures for the smooth running of the division
• Reduce risk and fraud by pro-actively doing smart checks with suppliers, customers, market feedbacks, other bank checks,
• Assist the manager in generating various MIS to maintain credit controls
Skills
Judgement / Complexity:
• Strong analytical skills required for proactively evaluating individual applications and measuring the portfolio quality and making suitable recommendations.
• Ability to convince / overcome Sales objections to declined applications and substantiate credit decisions with logical explanations.
• Creativity in terms of product enhancement.
• Ability to judge undesirable customers or business based on suspicious transactions or customer behavior
• Requires strong interpersonal skills and ability to work under pressure.
• Ability to developing control procedures for minimizing operating losses.