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Senior Credit Officer - Team Lead

Salary undisclosed

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JOB SUMMARY

Supervises a Team of Enterprise Risk Managers (ERMs) to ensure team performance is at par with expectations and overall strategy of Corporate Banking and the Bank. Evaluates an assigned company according to the inherent risks and opportunities that the Bank may be able to undertake. Recommends the appropriate facilities and level of business that the Bank may be able to undertake with said company.

DUTIES AND RESPONSIBILITIES

Business Acumen

  1. Prepares the Credit Proposals/Memos for the establishment or renewal of credit facilities that is appropriate for the business requirement and the Bank's risk appetite
  2. Conducts plant visit, customer interview, trade checking and industry evaluation by utilizing all available information gathered to ensure proper evaluation of the company or industry
  3. Recommends the appropriate level of security arrangement, loan terms and conditions to safeguard the Bank's risk position
  4. Ensures timely recognition of deterioration of risk and recommends appropriate action
  5. Monitors industry trends and does stress tests as needed to determine effects on the company's financials and operations

Financial Analysis

  1. Prepares financial spreads and forecasts

Leadership/Management

  1. Reviews Credit Proposals prepared by ERMs to ensure that risks are properly assessed and the analysis and information contained is correct

JOB QUALIFICATIONS

Years of Related Experience 5 years and up experience

Competencies

  • Knowledge of bank facilities and credit policies
  • Financial analysis, projections and credit evaluation
  • Ability to accurately assess the risk associated in lending to a company, high attention to details; able to communicate effectively in oral and written forms; able to coach and mentor ERMs under his team.