Thoroughly analyze risks and rewards in each individual transaction, including the purpose of the credit, source of repayment, collateral, sensitivities, (financial) history, terms and conditions to determine the overall risk profile
Proposes adjustments of the credit proposals by working with Business Units to identify credit risks relevant and mitigate risk to be accepted
Assesses the risk exposure of each proposal and verifies the proposed rating, decides within delegated authority or provide opinions to higher approval levels on the rating
Ensure application of One-Obligor Rule and consistent Borrower Risk Rating
Initiates and maintains contacts with Business Units and advising Business Units as a partnership regarding format and content of the credit proposals and, if relevant, the counterparty limit and country limit requests
Perform Regular reviews with forward looking of each customer within the business to ensure that the risks covered by credit risk type are begin property identified, assessed ,managed , proactively monitored and controlled
Develop credit quality of assigned business clients
Contribute to further development of credit strategy, policies , manuals, procedures and conclusions for portfolio
Qualifications:
Master's Degree in accounting, Finance and/or related field
2- 3 years of experience in credit analyst related, RM, AA or related field
Have analytical and systematic thinking in knowledge of industry analysis, financial instruments, credit and business analysis
Familiar with rules and regulations of banking services
Able to manage internal customers to find the win-win solutions
Good communication, negotiation, and problem solving skills