Key Accountabilities

• Lead the process of CREDIT FACILITY REVIEW (CFR) with a high quality analysis of credit applications for Wholesale Banking customers. Adequately structure facilities adhering to defined risk levels and make sensible recommendations with practical and acceptable risk mitigating conditions to the approving authorities under the delegated credit authority.
• To have a quality & effective one-to-one pre-deal discussions with the Business and Credit Team and reach an acceptable proposition which addresses the concerns of relevant stakeholders. The discussion should be reflective in the credit applications or agreed upon through subsequent emails. Any unresolved issues are to be documented for record by email.

Other Accountabilities

• Accurate spreading of financials and analysis in the Credit Lens and carry out appropriate re-classifications wherever necessary and ensure that customer grading of account is appropriately done and reflects the underlying risk.
• Assist Business in portfolio quality management, tracking and monitoring covenants and escalating overdue items for remedial. 
• Understand, implement and communicate the Bank's and QCB’s policies, procedures etc.
• Promote a risk management culture and behavior that provides adequate analysis, sound judgment, flexibility and an ideal balance of risks and rewards.

Competencies

• Adaptability/Flexibility
• Creativity/Innovation
• Decision Making/Judgment
• Dependability
• Initiative
• Integrity/Ethics
• Problem Solving/Analysis

Skills

Skills

• Ability to interact with internal and external stakeholders
• Ability to work under pressure
• Accuracy and attention to detail

Education

• Bachelor degree or equivalent