Principal Credit Officer: Origination

**Key Responsibilities**:
Deal Origination and Structuring
- Take charge of the origination of complex credit transactions from a pipeline of potential projects sourced by the Business teams, assessing transactions against the Bank’s risk appetite.
- Appraise, structure transactions to optimise risk-adjusted returns whilst achieving development impact.
- In conjunction with the business teams, engage internally with project teams and externally with borrowers, government entities, project sponsors, and other key risk-transfer / credit enhancing stakeholders to assess optimal financing needs and develop tailored solutions.
- Provide credit advisory at inception, deal screening or early review stages for indicative quantification of credit.
- Serve as a key member of the project team during appraisal stage, deal implementation and financial close stages in pursuit of achieving the Bank’s key corporate and strategic objectives.
- Serve as a key member of the project team to develop innovative risk mitigation structures (e.g. blended finance instruments, sustainable finance instruments, credit enhanced structures)

Credit Assessment, Financial Analysis and Risk Mitigation
- Undertake in-depth credit and financial analysis and due diligence on prospective transactions.
- Identify, mitigate and manage key quantitative and qualitative risks facing a prospective transaction.
- Contribute to due diligence activities, where required, including site visits, stakeholder interviews and due diligence data collection and synthesis.
- Collaborate with business, legal, technical and ESG teams to ensure comprehensive transaction evaluation.
- Prepare and/or review investment memos for new appraisals that succinctly communicates the overall credit opinion and recommended terms and conditions of the prospective transactions.
- Undertake in-depth financial and cash-flow analysis of portfolio companies, evaluating performance against initial projections and market benchmarks
- Review portfolio performance reports, incorporating peer comparisons, sectors developments, and macroeconomic conditions affecting the Bank
- 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 innovative solutioning of the prospective deal flow.

Portfolio Integration
- Facilitate seamless transition of approved transactions into portfolio management.
- Monitor early-stage performance, facility and/or covenant compliance during onboarding of new clients.
- Provide feedback to portfolio, origination and risk teams on original learnings and risk signals.
- Maintain credit-related compliance with internal policies, regulatory standards, and investment mandates across all geographies.
- Maintain up-to-date credit ratings and internal loan classifications of new transactions, where required, prior to transition into portfolio management.
- Participate in the maintenance and improvement of the credit value chain, identifying process inefficiencies and supporting enhancements to credit systems.

Strategic Engagement and Governance
- Liaise with teams to ensure seamless handover and continuous oversight of transactions post-disbursement.
- Support governance reporting by contributing to reports for Board committees, EXCO, and relevant committees.
- Contribute to policy development and implementation of credit related frameworks and guidelines.
- Participate in the refinement of origination frameworks, credit templates and investment guidelines.
- Assist with audits by preparing necessary reports and documentation in line with best practice and standards.

Financial Modelling and Analysis
- Build and/or review and challenge model assumptions in financial models for prospective transactions.
- Conduct cash flow analysis, stress testing, and scenario analysis to test financial viability and draw conclusions / make recommendations to mitigate financial risks identified.
- Review financial compliance of key financial terms and/or recommend and implement credit risk mitigants (e.g. conditions, covenants, 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.

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.

People Management
- Lead and develop team members by setting clear objectives, providing constructive feedback, and fostering a supportive and collaborative work environment.
- Recognising individual stren