SME's Marketing Credit Officer
Blom Bank
Total years of experience :15 years, 11 Months
Provide support to team members so that the credit service is delivered in such a way to optimize the balance between risk and return and maximize sustainable net profit
· Provide administrative & reporting framework support to Commercial Credit Manager
· Identify deteriorating credit exposures and assist with development of achievable restructuring or exit strategies where required
· Identify opportunities to streamline or otherwise improve the delivery of credit risk services· Responsible for the evaluation, assessment and recommendation of loan proposals within delegated authority (if any), outlining risks and suitable mitigates. Minimizing loan losses through soundly based decisions.
· Evaluate and provide strong recommendations to higher approval authority levels for credits which fall outside own discretion.
· Provide support to team members so that the credit service is delivered in such a way to optimize the balance between risk and return and maximize sustainable net profit
· Provide administrative & reporting framework support to Commercial Credit Manager
· Identify deteriorating credit exposures and assist with development of achievable restructuring or exit strategies where required
· Identify opportunities to streamline or otherwise improve the delivery of credit risk services
· Responsible for the evaluation, assessment and recommendation of loan proposals within delegated authority (if any), outlining risks and suitable mitigates. Minimizing loan losses through soundly based decisions.
· Provide support to team members so that the credit service is delivered in such a way to optimize the balance between risk and return and maximize sustainable net profit
· Provide administrative & reporting framework support to Commercial Credit Manager
· Identify deteriorating credit exposures and assist with development of achievable restructuring or exit strategies where required
Develop business strategies (to include - line management, reissue, authorizations, risk based pricing and new application automation) that deliver measurable profitable growth.
· Perform business analysis and report to understand financial performance by risk and key channel and partner sub-sectors that will be used to inform future investment decisions.
· Perform new business loss forecasting and tracking.
· Optimize the risk and reward balance by applying and assessing the NPL performance across the various portfolio segments
· Make recommendations to reduce/control risk, which involved in strategy.
· Evaluate sources of action and proposed business decisions.
· Conduct business understanding in Credit facilities departments and evaluate bank’s products.
· Prepare the CBJ reports ( central bank risk retain, concentration reports )
· Participate as a member in Basel II team in the bank
The Risk Management Officer is responsible for ensuring the Bank maintains adequate credit, market, and operational risk, thus ensuring the Bank is in full compliance with all banking laws, regulations, and internal policies and procedures. Serves as an advisor to Senior Management in the areas of risk, finance, and accounting; makes recommendations to reduce risk exposure in the areas of asset/liability, credit, operational and compliance. Promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The position of Risk Management Officer works with the Bank's Compliance Officer in attaining established compliance goals as directed by Senior Management
Develop business strategies (to include - line management, reissue, authorizations, risk based pricing and new application automation) that deliver measurable profitable growth. · Perform business analysis and report to understand financial performance by risk and key channel and partner sub-sectors that will be used to inform future investment decisions. · Perform new business loss forecasting and tracking. · Optimize the risk and reward balance by applying and assessing the NPL performance across the various portfolio segments · Make recommendations to reduce/control risk, which involved in strategy. · Evaluate sources of action and proposed business decisions. · Conduct business understanding in Credit facilities departments and evaluate bank’s products. · Prepare the CBJ reports ( central bank risk retain , concentration reports ) · Participate as a member in Basel II team in the bank
Develop business strategies (to include - line management, reissue, authorizations, risk based pricing and new application automation) that deliver measurable profitable growth. · Perform business analysis and report to understand financial performance by risk and key channel and partner sub-sectors that will be used to inform future investment decisions. · Perform new business loss forecasting and tracking. · Optimize the risk and reward balance by applying and assessing the NPL performance across the various portfolio segments · Make recommendations to reduce/control risk, which involved in strategy. · Evaluate sources of action and proposed business decisions. · Conduct business understanding in Credit facilities departments and evaluate bank’s products. · Prepare the CBJ reports ( central bank risk retain , concentration reports ) · Participate as a member in Basel II team in the bank