• To determine the degree of risk involved in extending credit by conducting a comprehensive credit and financial risk analysis.
• To prepare memos on assigned credit proposals for onward recommendation
• and approval after ensuring that all requirements related to risk assessment as per the Bank's policy and Prudential Regulations have been checked.
• Conducting research on specific industries or markets to understand their dynamics, challenges, and opportunities. This helps in assessing the impact of external factors on the borrower's ability to repay.
• Ensuring that all credit assessments comply with the organization’s credit policies, procedures, and regulatory requirements. This includes documenting the rationale behind credit decisions.
•  Communicating effectively with relationship managers, borrowers, and other stakeholders to gather necessary information and clarify credit-related issues.
• Identifying potential risks associated with credit exposures and recommending appropriate risk mitigation strategies, such as collateral requirements etc.
•  Any other credit-related assignments assigned by management.

Qualification:

• Minimum Bachelor's, Preferably Master's in Finance. An
• ACCA qualification is a plus.
• Knowledge of banking systems, credit policies, and procedures is preferred.
• Proficient in MS Office.
• Strong analytical and writing skills are essential.

 Experience:

• Minimum 2-4 years of relevant experience of Credit Risk or Relationship Management