Deputy Head Credit - eFinancialCareers : Job Details

?Key Responsibilities

• Assess the creditworthiness of current and prospective Clients to determine the level of risk.
• Write recommendation reports and present to Credit Approval Committee.
• Approve credit proposals within delegated authority.
• Evaluate a client’s financial statements and credit reports to determine the ability to service debt obligations.
• Assess the quality of credit proposals providing feedback to the frontline and Head of Credit.
• Identify potential enhancements and streamlining to the credit application and approval process.
• Ensure loan applications comply with the Bank’s Credit Policy and Appetite.
• Adherence to regulatory guidelines. 
• Take ownership of reporting requirements internally and externally in relation to the monitoring of credit facilities.
• Act as a sounding board to the frontline on lending proposals.
• Establishment of strong working relationships at all levels
• Support the development of an appropriate risk culture within the business including providing support and training in credit risk analysis.
• Credit structuring skills which are sufficiently robust to challenge proposed structures & suggest alternatives to improve risk mitigation.
• Previous management experience is desirable
• Liaison with Credit Administration, Remedial Management, Monitoring Unit, Finance, Compliance & Audit for processes relating to Credit Approval function
• Provide training to Branch credit staff on corporate risk analysis, rating tools, financial analysis, and overall proposal preparation and review

Skills & Experience Required

• Effective verbal and written communication and collaboration skills.
• Effective presentation skills
• Regulatory compliance knowledge and understanding of industry best practices.
• Accuracy and attention to detail
• Ability to work independently and to tight deadlines
• Experience in producing MI using Excel