Job Description

Job Category: Credit
: * Reports directly to the Area Commercial Manager and functionally to the Mid Corp RMs

• To conduct annual credit review for the Mid Corp RMs within the stipulated timeframe ie 1 month before review due date (T-1)
• To conduct variation and amendment papers for the Mid Corp RMs that include ad-hoc memo for pricing & RAROC, facility restructure, and other issues relating to fee, charge, covenant.
• Support Mid Corp RMs in financial spreading, rating, pricing calculation, business & operation update, risk analysis for new/existing customers.
• Assessing, analysing and interpreting financial statements, performed risk analysis on new/existing borrowers as well as generating cash flow forecasting models to determine debt repayment capability and profitability.
• Conduct market research to support credit analysis/assessment.
• Identifying early warning signs or credit weaknesses to circumvent potential loan loss.
• Conduct periodic covenant tracking if required
• Check on supporting information required for new or annual review submission including 1AML, GP6, Interpol, GCLS (if ID granted), 1P, Banktrade and CFMA.
• Other ad-hoc requirement relating to the CBC as and when required by the Area Commercial Manager.

Skills Required