Principal Credit Officer: Portfolio Management X2

**Key Responsibilities**:
**1.**Credit Portfolio Monitoring and Risk Reviews**
- Conduct structured, periodic credit reviews on all existing transactions, ensuring timely identification of deterioration of risks.
- Initiate/review rapid risk reviews in response to emerging external or internal risk signals, collaborating with internal and external stakeholders for effective intervention.
- Track financial and non-financial covenants, monitoring borrower compliance and reporting anomalies.
- Review credit quality across sectors and regions, flagging trends and proposing remedial strategies.
- Provide early warning indicators and analysis to credit committees and forums to support pre-emptive action.
- Perform quick-turnaround risk assessments for urgent or material changes.
- Evaluate and recommend credit amendments, waivers, or restructures.

**2.**Credit Assessment and Financial Analysis**
- Undertake in-depth financial and cash-flow analysis of portfolio companies, evaluating performance against initial projections and market benchmarks.
- Review credit opinions for additional lines of credit for public sector clients, as part of the annual review.
- Review accuracy and appropriateness of credit assessments, rating model methodologies applied to ensure correctness and quality of credit assessments to enable decision-making.
- Prepare portfolio performance reports, incorporating peer comparisons, geographic and sectors developments, and macroeconomic conditions affecting the Bank portfolio.
- Assess amendments to credit terms and provides recommendations for restructuring, covenant waivers, or rescheduling proposals as required.
- Conduct scenario analysis and stress testing on key exposures, feeding insights into credit risk appetite and capital allocation decisions.
- Support efforts to enhance risk-adjusted return through active management of the credit book.

**3.**Portfolio Management and Compliance**
- Adherence to credit-related compliance with internal policies, regulatory standards, and investment mandates across all geographies.
- Liaise with team members to ensure seamless handover and continuous oversight of transactions post-disbursement.
- Support the disbursement process, post-handover, to ensure facility conditions are met as required.
- Maintains up-to-date credit ratings and internal loan classifications of all transactions, supporting ongoing monitoring and reporting functions.

**4.**Strategic Engagement**
- Support governance reporting by contributing to reports for Board committees, EXCO, and relevant committees post disbursements.
- Support the periodic IFRS 9 provisioning and ECL measurement forum.
- Support internal portfolio management committees and forums for early warning identification and intervention.
- Contribute to policy development and implementation of portfolio related frameworks and guidelines.
- Support audits by preparing necessary reports and documentation in line with best practice and standards.

**5.**Financial Modelling and Analysis**
- Build and/or review and challenge model assumptions in financial models for a portfolio of companies.
- Conduct cash flow analysis, stress testing, and scenario analysis to test financial viability and draw conclusions / make recommendations to mitigate financial risks identified.
- Review ongoing financial compliance of updated financial models and/or recommend and implement new credit risk mitigants (e.g. conditions, collateral, guarantees), as required.
- Perform peer benchmarking and sectoral credit comparisons in order to provide valuable insights for the review of the financial modelling assessment.
- Support light restructuring and re-scheduling of distressed exposures.

**6.**Stakeholder Management and Problem-Solving**
- Collaborate effectively with stakeholders to achieve common goals, facilitating open and clear communication.
- Actively listen, share information, and foster a cooperative environment that encourages diverse perspectives and collective problem-solving.

**7.**People Management**
- Lead and develop team members by setting clear objectives, providing constructive feedback, and fostering a supportive and collaborative work environment.
- Recognising individual strengths, facilitating professional growth, and aligning team efforts with organisational goals to enhance overall performance and engagement.
- Provide technical assistance and mentorship to portfolio analysts.
- Facilitate training and capacity building within the team on portfolio management, credit tools, and evolving credit practices.

**8.**Reporting and Monitoring**
- Stay abreast of sector and country intelligence relevant to portfolio management activities.
- Produce accurate, insightful reports and continuously monitoring key financial and non-financial metrics to assess performance and credit migration risk.
- Analyse data to identify trends, inform strategic decisions, and provide stakeholders with clear, actionable information that sup