Corporate Banker

Job Summary:

To support Relationship Managers through the management of the credit analysis function by performing comprehensive industry studies, conducting credit reviews and evaluating risk of credits within the assigned portfolio. The incumbent also assists Relationship Managers in structuring credit solutions.

Job Details:

KEY RESPONSIBILITIES

Quality of market intelligence information to support credit analysis.
Quality of credit reports for credit committee reviews
Quality of credit portfolio information
Minimization of exposures to and impact of risks associated with credit analysis for new business and credit portfolio maintenance.
Adequacy of personal competence to effectively perform Credit analysis tasks.
Consistency in adherence to and application of established policies, processes, procedures and tools to achieve optimal efficiency, compliance and cost containment

DAILY RESPONSIBILITIES

Provide and analyze financial information for use in the preparation of credit reports
Review of credit requests including review of financial and credit information provided in respect to the corporate clients
Assist in the financial evaluation of new business/projects and provide a guide on market risk.
Prepare credit reports for new proposals and renewals and provide guidance on structuring of credits, due diligence and KYC so as to ensure that credits meet KCBT standards.
Maintain financial information on loan accounts including financial covenants, spreads and interim reports
Monthly evaluate and interpret performance reports of Corporate Banking and assist in the assessment of progress against the department’s score card and budget
Conduct periodic economic analysis, industry studies, self assessment and stress tests and recommend strategy and plans of action vis a vis the bank’s credit portfolio
Proactive monitoring of the credit portfolio to ensure early detection of problem credits.
Prepare excess report for review by Relationship Managers
Undertake annual review of security documentation for all corporate accounts
Assess profitability of each relationship and generate monthly report on the same
Counter check that interest rates are correctly applied on loan accounts

REQUIREMENTS: