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ROLES AND RESPONSIBILITY
Financial Institutions, Country & Sovereign Risk Origination
Procure support through reviewing and presentation of Financial Institutions credit proposals and all other proposals that have Country and Sovereign risks components to Group Office Credit Advisory Committee (GOCAC) for respective subsidiaries Board Credit Committee (BCC) approvals.
Ensure Facilities supported are within the Group’s lending framework and where there are breaches of policy, there is adequate identification and mitigation.
Review approval papers such as Indicative Term Sheets and Letters of Offer.
Review and structure requests for non-funded facilities (Letters of Credit & Guarantees) in liaison with the Trade Finance Department.
Review requests for Treasury Limits in liaison with Market Risk, Treasury and Trade departments.
Ensuring Turn-Around-Times (TATs) as per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Group Credit Origination section from Subsidiaries (Bank and Non-Bank).
Monitor legal and regulatory developments that impact risk and lending processes and ensure the Group is in compliance with local and international (where applicable) regulatory requirements.
Monitor local, national and international economic and/or political indicators as they affect lending decisions/processes.
Research and obtain sufficient and appropriate information for evaluating business risk.
Maintain financial information on counterparties including financial and/or non-financial covenants, spreads and interim reports.
Ensuring compliance with Group Lending Framework and Policies
Ensuring implementation of effective controls over the credit process to ensure a robust control environment.
Ensure policy breaches/ exemptions are properly authorized at the correct level.
Proactively review credit facilities/risks and advise Group Head Credit Origination on the findings.
Proactively improve the Group’s credit portfolio through continuous and never-ending improvement.
Customer Service
Work with other units to ensure good customer service while maintaining appropriate risk Management culture in the Group.
Provide Credit Origination technical advice or other assistance to all stakeholders in the Group as needed.
Skills required to undertake the role
Credit Management and monitoring skills.
High level of negotiation skills to be able deal with different stakeholders.
FIs Financial analysis skills and understanding of the Credit Policy and lending Policies.
Presentation skills & interpersonal skills.
High level of analytical skills.
Ability to handle pressure, conflicting priorities and manage constant changes.
Ability to handle and manage complex credit transactions and offer solutions to the Group.
Ability to manage/balance between business development needs with sound portfolio management and justify rationale for recommended transactions
