Job description
Organization Unit Purpose
Maximize customer experience by efficiently managing credit requests of the customer while ensuring efficient capital management, maximize returns and accept risks within acceptance criteria of the business.
Job Purpose
Responsible to support the business to generate maximum yield within the risk appetite and client selection criteria of the Business Ensuring the customers’ needs and requirements are addressed / met to gain maximum wallet share of business in a timely manner by assessing the risk, pricing of the risk, documentation and accurate collection of fees and interest.
Job Content
Preparation of Credit proposals
Collaborate and interact with RMs on an on-going basis to discuss and structure credit that best fits the risk appetite and acceptability criteria of the Bank
Proposes facility structure, covenants, conditions ensuring balance between client needs and bank’s credit risk appetite in consultation with the RM
Assesses clients risk profile and proposal identifying key topics/ questions to be covered on the write up
Completes FA in relevant approval systems filling in required information (client details, Collateral, facilities, etc.)
Based on risk measures advice on capital optimization alternate strategies which includes, appropriate limits, collateral and pricing
Prepares FA summary/write-up
Occasionally, joins RMs in client meetings to ask key credit questions
Calculates client’s risk grade leveraging the bank’s models
Liaise with Credit on FA and other credit issues and ensure quick turnaround on queries
Attend weekly meetings with RM/Team Leaders/GCD as required
Client documentation
Collaborate and coordinate with Documentation Team to produce correct documentation for the customer in an efficient manner
Minimize rework and re-presentation of documentation
Work closely with RM team to ensure minimal document deficiency
Risk management