Credit Risk Officer at Reposebay Human Resources Limited

Responsibilities
As the Credit Risk Officer in the Organization, you will be required to handle the following tasks:

• Act as the reference point for the Relationship Managers and business the development team in relation to all credit proposals.
• Work with stakeholders to ensure the smooth functioning of Credit Analysis processes and specifically relating to new business proposals facilitating sound revenue growth in the portfolio.
• Play a key role in deal structuring and add value from a credit/policy perspective.
• Work with RM/TL/product partners in structuring credit solutions for clients and ensuring the appropriateness of products offered. Interact with clients, and gather deal requirements, financial information and other inputs for quality analysis and due diligence.
• Proactively monitor excesses and communicate with customers in line with account strategy, seek proper approval for excesses and monitor loan & bills repayments in accordance with the company's policies and procedures.
• Monitor risks on a continuous basis (via monthly Covenant and Risk Triggers checking, financial updates and press releases/news) with prompt reporting and appropriate action to deal with irregularities in order to minimize loss to the company.
• Attend client meetings and site visits as part of risk assessment.
• Participate in and provide feedback on ad hoc credit-related exercises and risk reporting (e.g. stress testing, industry review).
• Assist in preparation of regulatory (e.g. credit policy document), internal reports (portfolio review).
• Support the business with a streamlined process for the production and submission of credit applications for new business and reviews/renewals of existing business. This includes reviewing/verifying required documentation to support a credit proposal and after that writing the credit proposal itself including debt service review and Net Worth computations for establishing debt service capacity.
• Support Business in relation to ad hoc projects and strategic initiatives.
• Publish regular metrics to demonstrate the quality and timeliness of the department work (including TATs and overdue credit applications).
• Partner with the RM/TL/product partners in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and ensuring they are always fully briefed on key risk aspects.
• Cultivate, collaborate and maintain close relationships with respective internal stakeholders.
• Post approval, ensure closure of all covenants/approval conditions within stipulated timeframes.

Requirements

• Candidate should possess a Bachelor's Degree qualification.
• Minimum of 2 years work experience.