Senior Analyst; Client Origination (2 Positions)
Job Location: Head Office, Hq
Job Purpose:
To evaluate counter-party credit risks associated with Wholesale Banking lending at the client interface, with the primary objective to contain credit risk within acceptable parameters.
Also, He/she has the responsibility to develop and maintain close relationships with the broader lending, Structured Trade Finance and co-financier community with a view to facilitating the syndication and co-financing of sovereign (public sector) and non-sovereign (private sector) borrowing customers and originate and execute syndication and co-financing transactions across Wholesale Banking customers.
Main Responsibilities:
Strategic Focus
- Provide direct (specialist/ professional) credit evaluation services at the customer interface and apprise client application timely within short Turn Around time.
- Identify credit and risk management requirements at the source of the deal negotiation/ business proposal.
- Conduct credit evaluation interviews during deal negotiation to obtain sufficient and appropriate information to evaluate business risk and deal viability, from a credit risk perspective.
- Decline non-viable deals at source, however, works in partnership with Head, Wholesale Client Origination, Relationship Managers and clients to identify alternatives that could bring deals/ proposals within risk acceptable parameters relative to profitability.
- Support other teams in department to develop high quality credit solutions to customers and recommend appropriate facilities in line with risk evaluation with the view of obtaining fast credit approval from credit decision maker.
- Present and defends own judgement and senior credit evaluations to clients in a manner which does not negatively affect the business relationship.
- Present and defend credit proposals to CREDCO& BCC to seek for their support.
Business Acumen and Market Understanding
- Identify, quantify and evaluate sources of risk in relation to profitability of business proposal and financial viability of the corporation as a whole; interrogates information obtained to gain a thorough understanding of business parameters which create profit/ value as well as the associated risks.
- Utilize industry risk analysis available to identify and understand contextual threats to existing and potential clients.
- Evaluate whether proposals meet sound business criteria and counter-party credit risk falls within acceptable parameters, and recommends appropriate business credit facilities, including terms or conditions of facilities.
- Prepare credit applications providing sound financial and business justification for deals/ proposals within acceptable risk parameters relative to the profitability.
Client Profitability and Risk Management
- Proactively and timely processing credit applications for existing facilities ensuring consistent, thorough and timely submission within agreed bank Turn Around Time.
- Detects and evaluates shifts or changes in key parameters in a business relationship or industry and evaluates the implications of such changes on continued business dealings.
- Analyze information received from client and the client’s performance.
- Establish reasons for risk exposure in excess of credit facilities; evaluate these in relation to business risk parameters.
- Monitors utilization in excess or arrears of credit facilities and assists Relationship Managers in managing the risk exposure.
- Review the correctness of data and information obtained including financials, Risk Grade & Risk Based Pricing calculations before sending for decision.
- Full compliance to legal and regulatory requirements and internal limits.
Relationship Building & Service Delivery
