Credit Underwriter- Commercial Banking at Family Bank Ltd

Job Purpose:

• Handling Corporates credit applications by conducting thorough appraisal while mitigating credit risk and ensuring compliance with the laid down bank lending policies and procedures

Key Responsibilities:

• Responsible for credit underwriting, proper loan structuring, applicant interviewing, and perceptive character judgment.
• Conduct thorough analysis of financial statements and assessment of corporates credit applications, including new clients & existing clients.
• Present analysis, findings, and recommendations to Credit Department, especially findings that involve a borrower’s ability to repay
• Develop and prepare spreadsheets and models to support analysis of new and existing corporate credit applications.
• Coordinate with Credit Department to ensure applications are processed within agreed TAT and escalate violations to the Head – Corporate and GIB.
• Monitor portfolio performance, ensuring delinquencies and non-performing loans (NPLs) remain within acceptable thresholds.
• Ensuring Credit Policies, Product Profiles and set timelines are adhered to in appraising corporate credit facilities.
• Maintain high professional standards and strive to provide quality services and competitive pricing to clients.
• Ensure full compliance with KYC, AML, and regulatory requirements, maintaining up-to-date client records.
• Adhere to the bank’s policies, standard operating procedures, and central bank regulations
• Ensure high audit rating is attained.
• Work in close co-operation with the Credit teams to ensure all necessary documentation is completed and all the procedures have been adhered to prior to drawn down.
• Any other official duty that may be allocated from time to time.

The Person:

• The ideal candidate must possess the following: 

Qualifications/Experience:

• Hold a bachelor’s degree in business, Accounts, Finance or related field.
• Professional Credit or Accounting qualifications a plus.
• Have a minimum Banking experience of at least five (5) years
• Strong Knowledge in Credit and Risk Analysis, risk assessment and structured financing.
• Proven ability to build and manage high-value corporate customers

Competencies/Attributes:

• Personality: A go-getter, enthusiastic, results oriented with excellent communication and social skills. A
• forward planner with clear focus, mature, reliable, hardworking and able to work without supervision.
• Strong business acumen with a deep understanding of corporate banking solutions.
• Strong negotiation and deal-closing abilities.
• Ability to work in a fast-paced environment and deliver results under pressure.
• Excellent communication and interpersonal skills to engage with corporate clients
• Sound knowledge of the Bank’s policies and procedures
• Management ability: Responsibility and ability to underwrite corporate credit applications end to end with recommendations.
• Ability to interpret Financials and make sound decisions out of it. ▪ Honest and with high integrity ▪ Keen to details.