JOB PURPOSE

To conduct credit risk analysis on corporate credit proposals for an assigned credit portfolio and recommend appropriate solutions to maintain the quality of the bank\xe2\x80\x99s assets, whilst ensuring compliance with regulatory and internal control requirements

Accountabilities: * Portfolio Management: Process new and existing credit proposals, monitor allocated portfolio and conduct annual reviews (For example: limit extensions; limit renewals; risk ratings; facility utilization; account conduct; client strategy) for existing clients to ensure continuity of portfolio quality

• Financial Analysis: Analyse financial data spreads (Moody\xe2\x80\x99s) from balance sheet, profit and loss statement and cash flow statement, conduct trend analysis, ratio analysis and provide opinion on the financial health along with financial projections to ensure decision makers have a clear view on the client\xe2\x80\x99s financial health
• Risk Assessment: Identify possible risks (For example: business risk; financial risk; structure risk) to assess and mitigate the extent of their impact and foresee possible risk mitigation measures to ensure portfolio health and quality
• Moody\xe2\x80\x99s Risk Analytics(MRA) Rating: Spread financial statements using Moody\xe2\x80\x99s Risk Analytics (MRA\xe2\x80\x99s) and concur on the subjective parameters for the client to ensure MRA rating (validated or indicative) is generated accurately
• Policies, Processes,Systems and Procedures:Adhere to all relevant organizational and departmental policies, processes, standard operating procedures and instructions so that work is carried out to the required standard and in a consistent manner while delivering the required standard of service to customers and stakeholders
• Self-Management: Manage self in line with the bank\xe2\x80\x99s people management policies, procedures, processes and practices to ensure adherence and to maximise own contribution to business performance
• Customer Service: Demonstrate Our Promise and apply the ADCB Service Standards to deliver the bank\xe2\x80\x99s required levels of service in all internal and external customer interactions

Skills

EXPERIENCE, QUALIFICATIONS & COMPETENCIES

Minimum Experience: At least 4 years of experience in banking including 2 years in credit risk related position

Minimum Qualifications: Bachelor\xe2\x80\x99s Degree in Business, Accounting or Finance

Professional Qualifications: Knowledge and Skills: Analytical skills Intermediate MS Office skills (PowerPoint, Excel and Word )

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