Requirements :
Ensure solutions meet credit underwriting standards as follows:
1.Financial spreading and analysis of corporate customers using credit skills; ratio analysis; balance sheet and cash flow analysis and projections; evaluation of security; evaluation of parent support policies; judgment of management and strategy.
2.Evaluation and understanding of risk associated with individual transactions, products and borrowers.
3.Preparation of quality credit applications.
4.Visit/meet customers when required in order to achieve clear understanding of credit risks.
5.Ensure that the approval procedures, standards of credit and risk monitoring/maintenance, conform to controls/procedure established by head of credit for the business unit.
6.Joint responsibility with sales force to monitor credit quality by highlighting early warning signs of credit deterioration.
Provide meaningful input with respect to Trade and Supply Chain Solutions to the RMs during the Account Strategy / Planning process.
Coach and promote new structured deals, solutions internally to sales team;
Keep abreast of significant market and competitor developments
Ensuring Money Laundering Prevention Policy and Customer Due Diligence procedures are thoroughly understood and adhered to.
Ensure compliance with Bank’s policy and to ensure that Bank’s policy breaches are properly authorized at the correct senior approving level.
KEY MEASURABLES
Trade & Supply Chain – related Asset Growth / Associated Revenue
Product Sales
Risk Management
Quantitative measures of team work and co-ordination.
External profile.
Standard Business Performance Criteria :
Assist in prompt recognition and reporting of deteriorating credit quality
Assist in ensuring that credit grades promptly reflect changes in credit quality
No overdue reviews
No breaches of Group, Functional and Local Credit Policy without specific approval
Assist in managing up or out accounts which are unprofitable or poor quality customers
Always act upon internal policy of Bank and any regulations/rules of respective country on Money Laundering prevention |
Save job
Print
