Analyst, Client

To evaluate counter-party credit risks associated with Business Banking lending at the client interface, with the primary objective to contain credit risk within acceptable parameters.

STRATEGIC FOCUS

• Provision of direct (specialist/ professional) credit evaluation services at the customer interface.
• Identifies credit and risk management requirements at the source of the deal negotiation/ business proposal.
• Conducts credit evaluation interviews during deal negotiation to obtain sufficient and appropriate information to evaluate business risk and deal viability, from a credit risk perspective.
• Declines non-viable deals at source, however, works in partnership with Manager, Origination, Relationship Managers and Head Commercial to identify alternatives that could bring deals/ proposals within risk and client acceptable parameters relative to profitability.
• Develop high quality credit solutions and recommends appropriate facilities in line with risk evaluation with the view of obtaining fast credit approval from Credit teams.
• Presents and defends own judgement to clients in a manner which does not negatively affect the business relationship.

BUSINESS ACUMEN AND MARKET UNDERSTANDING

• Together with origination manager and Sponsoring RM will prepare a credit facility proposal to be presented to Client Service Team/Business Development and Credit Committee to seek for support.
• Preparation of acceptable Applications for Facility (AFF) for Credit Decision.
• Identifies, quantifies, and evaluates sources of risk in relation to profitability of business proposal and financial viability  and interrogates information obtained to gain a thorough understanding of business parameters which create profit/ value as well as to mitigate  all associated risks.
• Utilises industry risk analysis available to identify and understand contextual threats to existing and potential clients.
• Evaluates whether proposals meet sound business criteria and counter-party credit risk falls within acceptable client selection and risk parameters, and recommends appropriate business credit facilities, including covenants and terms or conditions of facilities.
• Prepares credit applications by providing sound financial and business justification for deals/ proposals within acceptable client and risk acceptance parameters relative to the profitability.
• Work in partnership with RMs on new and existing credit applications, providing guidance on credit appetite and consulting with other product partners.
• Liaise directly with the Head of Credit (HOC) and respective sanctioning credit evaluation manager (CEM) for all credits that are outside Risk management discretion.
• Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved.
• Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reduction.
• Review and co-ordinate approved sanction letter and execution of documentation and drawdown of facilities.