Corporate Banker

KEY RESPONSIBILITIES

• Quality of market intelligence information to support credit analysis.
• Quality of credit reports for credit committee reviews
• Adequacy of personal competence to effectively perform Credit analysis tasks.
• Quality of credit portfolio information and credit portfolio maintenance
• Minimization of exposures to and impact of risks associated with KYC and AML .
• Consistency in adherence to and application of established policies, processes, procedures and tools to achieve optimal efficiency, compliance and cost containment.

COMPETENCE REQUIREMENTS

• Technical skills to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high quality standards or benchmarks.
• Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
• Knowledge of lending business and products.
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
• Self-empowerment to enable development of open communication, team work and trust that are needed to support performance and customer-service oriented.

MAIN ACTIVITIES

• Review of credit requests including review of financial and credit information provided in respect to the corporate clients.
• With the support of the Relationship Manager, prepare credit applications commensurate with credit policy for both facility renewals and on-boarding of new facilities
• Be conversant with the KYC requirements. Undertake actions to ensure compliance. Exercise due care and diligence in ensuring all AML and KYC requirements are complied with
• Maintain financial information on loan accounts including financial covenants, spreads and interim reports.
• Monitor and ensure that there is no excesses that are not approved for both assets and liability customers
• Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis a vis the bank’s credit portfolio.
• Proactive monitoring of the credit portfolio to ensure early detection of problem credits.
• Undertake annual review of security documentation for all corporate accounts.
• Responsible for delivering a service to customers that matches the Bank’s mission statement

QUALIFICATIONS AND EXPERIENCE REQUIREMENTS

• University Degree or Professional Qualification in a relevant discipline.
• Three years of experience with similar responsibilities.
• Practical experience in use of Microsoft Office Packages.