Analyst - Credit Review

Job Summary:

Major Duties:

1. Primary responsibility is to support Credit Review Management, Examiner-in-Charge (EIC) and examiners in their roles and assist in monitoring and analyzing the bank’s portfolio. Responsible for providing Credit Review management reports

• Create management reports highlighting the overall quality of credit portfolio.
• Generate exam reports used in periodic, horizontal or supplemental reviews (aka as trial balance).
• Able to facilitate discussions and reach decisions.

2.The analyst will maintain excel based workbooks and will make coding adjustments (VBA) where needed.

3. Responsible for assisting Credit Review’s Continuous Monitoring process, which monitors the bank’s lending, counterparty and investment portfolios at least quarterly (or more frequently)

4. Required to complete and submit a formal report to the Head of Risk Control Under general direction of Credit Review Management or EIC (and training provided), participate in exams of the firm's various businesses, ensuring risk rating integrity, portfolio quality, completeness of loan documentation, credit policy adequacy and adherence. Recommends changes to management with written analysis of findings

• Adhere to criteria outlined in the planning memo, including expected files per day pace, addressing areas of concerns / risks, etc
• Confirm adherence to Corporate Credit policies, applicable guidelines, and regulations
• Linesheets should be complete and comprehensive noting the following (but not limited to) BR rationale, sources of repayment, borrower / guarantor financial performance, collateral analysis, credit monitoring requirements, loan documents and problem credit management (if applicable) etc
• Ensure risk rating model inputs and outputs are accurate and present any findings to the business unit and EIC. Ensure consistent application of overrides
• Evaluate the accuracy and appropriateness of the loan documentation and collateral. Any risk identified may result in the Borrower Rating consideration
• Evaluates the portfolio management, including adherence to loan agreement covenants and is deemed prudent banking practices
• Raise issues on assigned credits and report to the EIC and other responsible parties Communicate well with partners (both written and verbal communication)
• Works on projects and learning project management skills

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Requirements:

• Experience in using VBA, Power BI, queries, and reporting
• Minimum 3 year of working experience in these areas
• Experience in Incorta would be added advantage
• Strong analytical skills are required to read and interpret credit documentation and to identify potentially negative credit conditions
• Proficient in excel Familiar with basic banking terminology (preferred)