Job Title

- Summary of the position: - Financial and credit analysis and writing of corporate credit files - Determining risk ratings in the rating tools - Issuing of risk opinion or risk conclusion on the credit requests - Participation in the Local Credit Committees - Co-ordinate with Regional and HO risk analyst teams - Monitoring of the economic and financial evolution of clients - Monitoring of global set of credit limits on clients / groups - Interaction with Senior bankers / Relationship Managers on the credit requests and ongoing monitoring of risk exposuresMain duties:- Analyzing the credit applications received from the Front Office (FO), conducting a financial and credit analysis, and writing of credit files in co-ordination with senior bankers/ relationship managers for their portfolio and for all business lines relevant to a particular corporate client; - Advising senior bankers and business lines on the structuring of the transactions / Group structures / line structure / methodology, during the preparation of the credit application; - Determining Risk Ratings in the rating tools (calculation, proposal and validation) for groups and counterparties; - Ensuring that the risk strategy elaborated by the senior banker is consistent with the Bank’s risk strategies for the relevant sectors and country; - Conducting annual review of credit limits and rating review of counterparties / groups; ensuring that the annual reviews are prepared in a timely manner and that ratings are reviewed by the Bank at least every 12 months; - Monitoring of the economic and financial evolution of clients; providing alerts to the head of the Department / management of potential deterioration of risk profiles of borrowers and of critical situations; - Monitoring of the global set of limits and exposure on groups / counterparties; - Per delegation level, issuing risk opinion or risk conclusion concerning the borrower, the relevant of the proposed transaction, the set up of credit limits and the internal rating; participation to the Local Credit Committee. For credit applications exceeding the local delegation, working in co-ordination with the regional / HO risk analyst teams; - Update and capture data in the electronic credit decision workflow systems; - Preparing information and data for annual portfolio reviews;Candidate's technical skills:- Ability to read and analyse financial statements / balance sheet understanding. - Industry / sector knowledge. - 8-10 years’ experience in corporate risk analysis department of banks / rating agencies.