Senior Credit Manager: Evaluation
2 weeks ago
**JOB DESCRIPTION**
- Provision of independent credit & investment assessments to approval committees; exercising credit judgment; and making sound credit recommendations working within stipulated Service Level Agreement.
- Ensure adherence to credit policies and procedures as well as team alignment to the Credit Risk Appetite Strategy, taking into account group counterparty concentration guidelines;
- Responsible for the final sign-off of all risk ratings within the company, including accountability for a consistent rating approach for all entities and approval of overrides,
- Prepare and position submissions at the relevant sanctioning committee (Credit Committees; Executive Policy Meetings etc.) and respond to questions;
- In collaboration with Legal department seek for the adoption of a consistent approach in the drafting of standardized finance documentation across Group Counterparties as appropriate to ensure consistency of credit terms;
- Standing Invitee and participant at Investment Monitoring Committee and Portfolio Monitoring Technical Committee and any other portfolio monitoring forum as established by the Corporation from time to time, which would include the management of early distress, watchlist and non-performing clients
- Ensure that collateral is maintained and managed in accordance with the company Credit Policy and Collateral Valuation Guidelines and that CEM are involved and sign off prior to the release of collateral terms. Important
- Partner with Risk Governance and Portfolio Management to provide insights on client conduct and lessons learnt when required.
**JOB REQUIREMENTS**
**QUALIFICATIONS**:
- CA / B Com post graduate qualification (or equivalent degree).
- MBA would be an added advantage
**EXPERIENCE**
- 8 to 10 years relevant experience in a financial institution,
- Knowledge and understanding of credit and investment risk and any associated risks prevalent in the financing of transactions/projects.
- Portfolio management experience will be an advantage
- Extremely good writing and presentation skills, particularly to committees
- Experience working in a high-level collaborative environment
- Ability to manage multiple competing priorities while building effective relationships
- Extremely organized and persistent, with drive and determination to achieve goals
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