Credit Analyst
CAREERS
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 Credit /financial analysis environment.
Job offer
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