·   Financial and credit analysis and writing of corporate credit files

·   Determining risk ratings in the rating tools

·   Issuing of risk opinion or risk conclusion on the credit requests

·    Participation in the Local Credit Committees

·    Co-ordinate with Regional and HO risk analyst teams

·    Monitoring of the economic and financial evolution of clients

·    Monitoring of global set of credit limits on clients / groups

·    Interaction with Senior bankers / Relationship Managers on the credit requests and ongoing monitoring of risk exposures

Main duties:

·       Analyzing the credit applications received from the Front Office (FO), conducting a financial and credit analysis, and writing of credit files in co-ordination with senior bankers/ relationship managers for their portfolio and for all business lines relevant to a particular corporate client;

·       Advising senior bankers and business lines on the structuring of the transactions / Group structures / line structure / methodology, during the preparation of the credit application;

·       Determining Risk Ratings in the rating tools (calculation, proposal and validation) for groups and counterparties;

·       Ensuring that the risk strategy elaborated by the senior banker is consistent with the Bank’s risk strategies for the relevant sectors and country;

·       Conducting annual review of credit limits and rating review of counterparties / groups; ensuring that the annual reviews are prepared in a timely manner and that ratings are reviewed by the Bank at least every 12 months;

·       Monitoring of the economic and financial evolution of clients; providing alerts to the head of the Department / management of potential deterioration of risk profiles of borrowers and of critical situations;

·       Monitoring of the global set of limits and exposure on groups / counterparties;

·       Per delegation level, issuing risk opinion or risk conclusion concerning the borrower, the relevant of the proposed transaction, the set up of credit limits and the internal rating; participation to the Local Credit Committee.  For credit applications exceeding the local delegation, working in co-ordination with the regional / HO risk analyst teams;

·       Update and capture data in the electronic credit decision workflow systems;

·       Preparing information and data for annual portfolio reviews;

Post Graduate/CA

•5-7 years’ experience in corporate risk analysis department of banks / rating agencies.

· Ability to read and analyse financial statements / balance sheet understanding.