Daniel Julian

Analyse information received from credit applications and credit reporting agencies to make prudent credit decisions:
Identify, measure and manage credit, legal, reputation and regularity risk relating to financing activities.
Assessment of client’s competitive positioning within its industry; Assessment of funding strategy, financial policy treasury activity and liquidity; Assessment of balance sheet strength alongside cash flow and profitability vulnerability via ratio analysis and other; Preparation of other analysis as necessary such as industry specific reviews. Evaluation of Risks associated with particular proposed transaction.
Provide portfolio management reports to evaluate risk profile of the customer base.
Recommend and monitor risk strategies to maximize revenue and minimize bad debt.
Develop and implement the strategy, business plan policies and procedures of the Credit Risk Division, ensuring full alignment to the overall organizational business strategy.

Supporting the Head -Corporate Banking and coaching RM to develop existing corporate business from existing corporate customers and from new relationships in order to meet Bank’s growth objectives:
Study the market and customer needs in conjunction with Marketing and Strategic Planning Departments in order to develop suitable business strategy.
Establish and maintain good relationships with key potential corporate clients, and develop these into successful,
enduring business relationships.
Ensure effective liaison and contact with Branches to identify suitable business opportunities and centrally co-ordinate the business for corporate customers.
Monitor development and progress of corporate deals and ensure quick action in case of any adverse development.
Prepare reports, analysis, management information data for top management and other departments as required

Developing credit portfolio strategy in line with Bank’s overall business strategy. Establishing and maintaining overall credit policies and procedures (limits, collateral, risk rating etc.)

Carry out financial analysis of companies for evaluating their liquidity, profitability, cash flow and capital structure from a lender's point of view. Analyze other business data to evaluate strengths and weaknesses of the companies/transactions. Review credit applications prepared by credit department, to identify and measure key risk elements, and to mitigate them in accordance with the bank’s internal credit policy and risk level.