Senior Specialist - Credit Support

Process credit applications, perform credit risk assessments, support the business unit in managing customer relationships, protect and improve the quality of assets in the assigned portfolio to support the achievement of the group’s defined financial and non-financial objectives
Portfolio management:
Process new and existing credit proposals, monitor the allocated portfolio and conduct annual reviews (eg: limit extension; limit renewal; risk rating; facility utilization; account behavior; client strategy) for existing clients to ensure continued portfolio quality
financial analysis:
Analyze Moody's financial statements from the balance sheet, profit and loss statement and cash flow statement, perform trend analysis and ratio analysis and provide an opinion on financial health as well as financial projections to ensure decision makers are provided with a clear view of the client's financial health
risk assessment:
Identify potential risks (eg: business risk; financial risk; structural risk) to assess and reduce the extent of their impact and anticipate potential risk mitigation measures to ensure the health and quality of the portfolio
Moody's Risk Analytics (MRA) risk rating:
Publish financial statements using Moody's Risk Analytics (MRA) and approve client subjective criteria to ensure the MRA rating (reliable or illustrative) is accurately generated
Policies, processes, systems and procedures:
Adhere to all relevant policies, processes, regulatory and administrative procedures and instructions so that work is carried out to the required standards and in a consistent manner while providing the required level of service to customers and stakeholders
self management:
Manage self in accordance with the Bank's people management policies, procedures, processes and practices to ensure compliance and to maximize own contribution to business performance