Job Holder is primarily responsible for delivering credit support solutions to the Corporate Banking coverage team. Specifically, assist line manager / unit in the core deliverables of Client Credit Management by:

• Creating credit spreads and calculations on financial statements and related information for new to bank and existing clients using relevant systems and software.
• Performing comprehensive analysis of new credit requests, credit change requests, renewals and annual reviews in co-ordination with the Senior Relationship Manager in the Front Office.
• Developing in-depth knowledge of the sector they are supporting.
• Preparation of various types of Credit Applications and related summary term sheets.
• Raising of waiver requests stemming from deviations to bank policies, standards and procedures (e.g., Wholesale Banking Policy, Credit Policy and standards, Credit / Legal Documentation Policy etc.) approved conditions and covenants (includes conditions precedent and subsequent).
• Earmarking of limits and subsequent reinstatement or lapsing (as appropriate)
• Structuring of credit facilities and related transactions.
• Building and maintaining a portfolio-wide database to capture the day-to-day management of Approval conditions and agreed covenants.
• Tracking and reporting of all unit related deliverables, KPI’s and KRI’s
• Ensuring Facility and Security documentation are prepared in accordance with credit approvals, Credit/Legal Documentation policy and Department procedures.
• Ensuring follow-up and satisfaction of conditions precedent and subsequent to facility utilization.
• Tracking and reporting the status of conditions precedent and subsequent documents and highlight exceptions to line manager.
• Preparation of periodic reports as well as any MI reports for the department.

Job Requirement:

Knowledge

• Ability to solve problems and escalate to higher levels (as appropriate) and get along with people amicably.
• Good understanding of Wholesale banking products.
• Good knowledge and understanding of Credit, AML and Operations management.
• Fair working knowledge of Loan Documentation, Syndication Loan Structures, Commercial Contracts, Trade Finance, Credit Risk, KYC and Banking terminology including standard loan covenants.
• Good background in performing credit analysis of Corporations.
• Solid computer skills with capability to use spreadsheets, graphic and presentation packages to review and create professional materials

Education

• Suitably educated, preferably with a bachelor’s degree in economics/commerce/finance.
• Professional Degrees (an added advantage)

Experience

Minimum of 3-5 years’ experience in a similar function, credit or audit with large regional or global financial institution(s)