Manager - Credit Approval & Underwriting - Bank

In summary, the prime objective is to undertake the identification, evaluation and assessment of credit proposals / Enterprise Valuations which may include asking questions of the Relationship Managers and those within the Business, referencing and analyzing external data and internal trends concluding in an independent credit recommendation. This will include ensuring that transaction risks, repayment capacity, performance trends, leverage and liquidity risks are identified and understood and that the credit structure is appropriate and adequately protects the Company from undue risk

The jobholder shall have the following responsibilities:-

- Evaluation & appraisal of credit applications / Enterprise Valuations within specified thresholds

- Assesses credit proposals submitted / Enterprise Valuations required, undertaking appropriate analysis and making final recommendations up to the appropriate and agreed thresholds, on the basis of professional credit judgment and in accordance with Bank Lending Policies. Timely delivery of well-balanced recommendations / assessments, delivered with professionalism

- Researches, recommends and assists in the implementation of credit management techniques

- Contribute to the achievement of the operating plan with respect to revenue, impairment charges, risk measures and RWA impact

Customers / Stakeholders

- Deliver best in class service levels to customers and meeting SLAs

- Assist AVP and VP with maintaining strong working relationships with the respective Business Areas and onshore Risk Department through efficient use of the available communication tools and effective networking via regular VCs / phone calls, buddy meetings, business area visits etc-

Leadership & Teamwork

- Help keep the team motivated and responsive to the needs of the organization

- Work effectively within a small team and provide active engagement with colleagues / employees

- Support an environment that supports diversity and reflects the brand

- Demonstrate ownership of the credit proposals submitted / Enterprise Valuations required

Operational Effectiveness & Control

- Ensure adherence to the Bank's credit policies and guidelines

- Seek appropriate opportunities to add value and undertake additional tasks and project work as appropriate

- Be aware of and able to effectively identify and manage applicable money laundering, terrorist financing, sanctions and reputational risks

- Complete other responsibilities, as appropriate