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  • Posted: Jul 20, 2020
    Deadline: Not specified
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    Ghana International Bank Public Limited Company is a banking company based out of United Kingdom.
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    Credit Risk Analyst

    • Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, enhancement requests, refinancing and annual due diligence.
    • Provide recommendations tied to analysis and assessment of credit risk to management, especially providing insights into a borrower’s ability to repay.
    • Developing models, both mathematical and statistical that directly relates to measuring risk.
    • Ensure availed limits/credit lines are renewed on timely basis.
    • Periodic assessment of asset book performance for management purposes.
    • Keep up to date with the GHIB’s lending protocols.
    • Review internal gradings applied by BDM to each customer and ensure their accuracy.
    • Review legal documentation underpinning transactions and ensure they are in order.
    • Gain knowledge and understanding of client’s business.

    KEY RESULTS AREAS:

    • Support for the Head and Deputy Head of Credit Risk in providing the following functions:
    • Credit Limits: Timely renewal of credit limits/lines, ensuring that credit proposals are submitted and approved at the appropriate levels to ensure business continuity.
    • Record Maintenance: ensure departmental filings are accurate and up to date.
    • Loan Documentation: Prepare Loan Agreements to incorporate all terms & conditions, protective clauses, and covenants to underpin availed loan facilities; where necessary, liaise with external counsel to review all legal documentation pertaining to a transaction and confirm satisfaction prior to funding.
    • Reporting: Providing relevant reports to management, including economic research and country reports.
    • Structuring: Collaborate with Client Coverage in preparing term sheets and to ensure that deals, facility structures and documentation are in line with credit policy and conform to approvals.
    • Customer Due Diligence: Liaise with relevant departments to ensure that CDD where required is performed satisfactorily.

    COMMUNICATION:

    • Relationship Managers; Credit Committee; Legal Counsel and Other Stakeholders.

    Key responsibilities/Accountabilities

    • Efficiently evaluating credit applications.
    • Analyzing periodic market patterns and articulating impact on asset book quality.
    • Recording anticipated economic environment changes.
    • Periodic review and updating of country limits.
    • Compilation and submission of reports for senior management consumption.
    • Maintain and organize customer records and files within the credit department.
    • Generate schedules to monitor and track expiry dates of credit lines.
    • Liaise with relationship managers on matters pertinent to credit application process.
    • Tracking changes in legislation and regulatory directives
    • Periodically update internal grading model as new information become available.
    • Perform sensitivity analysis on the asset book.
    • Become familiar with the competition to stay ahead of them

    Skills & Capabilities:

    • Independent thinker.
    • Strongly analytical with understanding of financial statements, annual reports, ratios, and concepts and presentation skills
    • Written communication – excellent communication skills to interpret and translate financial data into meaningful presentation to Credit Committee.
    • Strong oral communication – must be able to sufficiently articulate findings to colleagues and management where necessary.
    • Strong attention to detail, ability to notice discrepancies in data, and ability to produce reports to a high standard of accuracy.
    • Team player, as there is need to liaise and work with people within/outside of Credit Risk Department.
    • Strong proficiency in MS Office and general computer use
    • Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision

    KNOWLEDGE:

    • Good understanding of financial markets and lending concepts.
    • Knowledge of African economic environment.
    • Strong understanding of accounting/economic principles and concepts.
    • Knowledge of capital markets, trade finance and structured-trade environment.
    • Working understanding of KYC, AML and Customer on-boarding processes.

    EXPERIENCE:

    • Experience in credit or risk analysis in corporate/wholesale banking environment.

    QUALIFICATIONS:

    • Bachelor’s Degree (preferably in quantitative discipline)
    • Two to five years of strong quantitative experience.

    Method of Application

    Interested and qualified? Go to Ghana International Bank Public Limited on www.linkedin.com to apply

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