You should have a Bachelor of Commerce degree along with knowledge of Banking Lending processes. Being computer proficient, especially in Microsoft Excel and Word, is essential to excel in this role. Strong verbal and written communication skills are necessary, along with excellent interpersonal and client service abilities. As a part of the job responsibilities, you will be required to coordinate with clients, target clients, and associates to ensure effective and timely completion of assigned tasks. Preparing supporting statistical schedules for internal analyses, maintaining control sheets for assignments, and assisting the team in daily routine work are also key responsibilities. Moreover, you will be responsible for obtaining reports from NHBS associates for review, ensuring timely billing and associate provisions on a monthly basis. The ability to multitask, work under pressure, meet deadlines, and being self-motivated are crucial for success in this role.,
As a Chartered Accountant or equivalent, you will be responsible for underwriting loans and preparing reports and presentations. Your key responsibilities will include: - Making decisions on credit applications under the supervision of senior underwriters - Utilizing provided software to score credit applications - Working with the credit administrator on policies and procedures - Analyzing, evaluating, and underwriting proposed credit facilities for customers and prospects - Assessing credit opportunities, identifying key risks, and structuring alternatives with relationship managers and credit officers - Preparing in-depth credit studies and conducting research on borrowers and industries - Taking ownership of the credit process, making decisions in the best interest of the customer and Bank - Providing support to account officers on customer calls as needed - Measuring covenants within loan agreements and communicating compliance to the relationship manager and chief credit officer - Completing annual reviews, modifications, extensions, renewals, and new loan requests - Analyzing more complex credits with assistance from senior Bank staff - Recommending appropriate covenants, terms, and conditions for credit requests based on experience with comparable credits - Identifying policy exceptions within credit requests - Discussing risk ratings and rationale with relationship managers and credit approvers You should have knowledge and experience in underwriting and analyzing loan documents, financial statements, collateral documents, and research for specific sectors. Additionally, you should possess strong interpersonal, supervisory, and client service skills, as well as the ability to multi-task, work under pressure, and meet deadlines. Proficiency in financial and accounting software applications, Microsoft Excel, and Word is required. The ideal candidate will be self-motivated, with strong verbal and written communication skills to collaborate effectively with lending and credit teams, relationship managers, credit approvers, and clients. Prior experience in financial reporting, general ledger areas, and bank audits is an added advantage.,