REQUIRED MINIMUM WORK EXPERIENCE

Conduct detailed credit analysis covering financial, operational, collateral, shareholder, and industry aspects
Prepare credit papers for client facility adjustments and covenant breaches
Present requests to the board and Group credit committees
Engage continuously with clients for monitoring, identify credit stress, and assist in recoveries, while ensuring compliance and collaborating with stakeholders to manage credit risk effectively.
Proficient in banking business and product knowledge
Strong analytical skills including financial statement analysis and understanding of IFRS
Comprehensive grasp of credit principles and lending processes
Knowledgeable about various industries and macroeconomic factors impacting clients
Familiarity with commercial legal aspects such as insolvency, collateral, and deal structures
Understanding of Capital frameworks, coupled with financial modelling and forecasting abilities
Proficiency in Excel

REQUIRED EXPERIENCE AND QUALIFICATIONS

Bachelor of Commerce degree in Finance, Accounting or higher preferred/ preferable
3+ years of lending or credit experience required
Sound credit analysis experience required
Commercial legal knowledge preferred

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