Credit Risk Officer at Amy Consulting

Key Responsibilities:

• Identifying risk in portfolios, provide intelligence, report anomalies and make recommendations.
• Responsible for gathering and analyzing financial data about clients following requests.
• Responsible for monitoring and classifying portfolio.
• Analyzing credit data to determine the degree of risk involved extending credit or lending money on every transaction.
• Responsible for conducting research to monitor market trends and assess severity of risk and make adequate forecasts for product and policy development.
• Preparing a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.
• Supporting business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improves customer service level.
• Engaging the management team on prioritizing and implementing approved actions.
• Evaluating risk business decisions and making recommendations.
• Analyzing risk information and producing standard risk reporting for management meetings.
• Communicating with management teams to confirm execution of company processes.
• Implementing improved and approved credit measures and policies.
• Continuous self-development through upgrading of skills, punctuality, personal effectiveness on assigned tasks.
• Ensuring regulatory compliance.

Key Result Area (KPIs-Outcomes)

• Transaction Execution
• Risk / Loan Analytics
• Financial Analysis
• Underwriting
• Research on Market Trends
• Probability of default (PD) & Exposure at Default (EAD)
• Regulatory Compliance
• Risk Factors and Implications
• Adherence to Process (Risk Management policies & process)
• Status Report

Key Skills and Competencies

• Operational and technical capabilities
• Leadership/Administration
• Knowledge of information system, core banking application and credit workflow process
• Knowledge of use of Microsoft Office Suite
• Data entry, processing and interpretation skills
• Financial management and analysis
• People, organizational and leadership skills
• Time management skills
• Knowledge of financial/business analysis techniques
• Strong interpersonal and communication skills and the ability to work effectively with a wide range of constituencies in a diverse community
• Skill in organizing resources and establishing priorities
• Strategic planning and advanced leadership skills

Education and Experience

• Minimum of 5+ years similar experience as a Credit Risk Officer.
• Bachelor’s degree in Business Administration, Economics, Accounting etc.
• Minimum performance rating of 85%
• Ability to foster a cooperative work environment
• Ability to work with minimal supervision
• Good analytic, report writing and problem-solving skills
• Good understanding of business process