Credit Risk Officer
vor 1 Woche
- Performs an in-depth analysts on the credit applications submitted by account management, including financial analysis, business risk, structure risk, country risk, etc.
- Pro-actively shares the risk appetite with the account management function to maintain a common risk culture, including providing guidance on the structuring of the facilities (covenants, tenors).
- Maintains an active dialogue with account management, Head-Office Risk management and local senior management on portfolio management, client development (join client meetings) and upcoming proposals.
- Provides a written credit opinion during the credit application process (including one-off transactional approvals) to local and/or global decision makers highlighting in the advice the key risks, mitigants and suggestions to improve the request.
- Ensures the quality and consistency of the credit applications and checks the compliance of the application
- Reviews legal documentation, ensures the post-approval follow-up (conditions/limit adjustments) and reviews/approves the risk ratings.
- Participates in projects (internal, regulatory) and deliverables (reporting, audits).
Profile :
- Degree in business administration, finance, economics or international business. Specialisation in commodity finance preferred
- At least 8 years of banking experience with very strong skills in transactional trade and commodity finance
- Knowledge of corporate banking concepts, loan documentation and credit analysis.
- Good knowledge of trade finance (LC/Guarantees), borrowing base structures (collateral), financial markets and lending products.
- Very high degree of integrity.
- Ability to work under pressure and within tight dead-lines.
- Strong analytical and critical thinking skills.
- Enthusiastic team-player who listens and contributes to the success of others.
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