Credit Analyst


Credit Risk Department

Port Louis

Job Purpose You will have to provide a totally independent and critical analysis of Institutional credit proposals originated by Front Offices (SME Banking, Corporate Banking and International/Treasury Banking). Key Responsibilities:
  • Analyse and evaluate credit risks inherent in Institutional Credit Proposals.
  • Carry out quantitative and qualitative financial analysis and collateral analysis.
  • Make clear and informed recommendations to the Approval Authority, including covenants to mitigate the risks identified in the Credit Proposals.
  • Ensure turnaround time for each Credit Proposal is within the agreed SLA.
  • Ensure compliance with the Bank’s Credit Policy, other internal policies and regulatory guidelines.
  • Originate proposals for Sovereign and Bank limits.
  • Proactively research, analyze and manage data from reliable sources with the aim to preempt risks on the credit portfolio.
Technical Skills:
  • Thorough knowledge and understanding of loan granting processes including credit checks, affordability criteria and repayment terms and conditions.
  • Strong knowledge of Corporate Finance, Structured Trade Finance, Project Finance, Syndicated loans and Risk Management.
  • Sound knowledge of Central Bank’s guidelines and other relevant local legislations.
  Behavioural Skills/ Competencies:  
  • Excellent analytical skills.
  • Quality oriented, have an eye for details and show strong bias for continuous improvement.
  • Ability to work under pressure to meet tight deadlines.
  • Excellent planning, prioritizing and organizational skills.
  • Excellent team spirit.
  • Proactive, dynamic and solution provider.
  • Good interpersonal and communication (oral/written) skills.
  Qualifications & Experience:  
  • University degree in Banking/Economics/Accounting/Finance OR ACCA qualified or any other relevant professional qualifications acceptable to the Bank
  • Minimum 3 years banking experience in a credit / financial analysis environment.
Incomplete applications will be automatically be disqualified. Management reserves the right not to make any appointment following this advertisement

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