senior specialist

Process credit applications, perform credit risk assessments, support the business unit in managing customer relationships, and protect and improve the quality of assets in the assigned portfolio in order to support the achievement of the Group's defined financial and non-financial objectives.
Portfolio management:
Process new and existing credit offers, monitor allocated portfolio and conduct annual reviews (eg: limit extension, limit renewal, risk ratings, facility utilization, account behaviour, client strategy) for existing clients to ensure continued portfolio quality
Financial analysis:
Analysis of financial statements (Moody's indicators) from the balance sheet, profit and loss statement and cash flow statement. Conduct trend analyses, ratio analysis and provide an opinion on the financial situation as well as financial projections to ensure that decision makers have a clear view of the client's financial situation
risk assessment:
Identify potential risks (for example: business risks, financial risks, structural risks) to assess and mitigate the extent of their impact and forecast the possibility of taking risk mitigation measures to ensure the health and quality of the portfolio
Moody's Risk Analysis Rating (MRA):
Publish financial statements using Moody's Risk Analysis (MRA) and agree to client subjective criteria to ensure that Moody's Rating (certified or illustrative) is accurately generated
Policies, processes, systems and procedures:
Adhere to all approved policies, processes, procedures of the relevant entity and guidelines to ensure that work is carried out according 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 maximum benefit from one's own business performance