Specialist, Credit Management

Job Responsibilities

• Analyse client’s audited financial statements, bank statements, rental roll reports, collateral details, etc. Look into client’s credit history, credit reports and system checks to meet bank’s lending standards.
• In‑depth analysis of borrower’s financial ratios such as profitability, solvency, cash flow, debt service coverage ratios to ensure error‑free underwriting and to verify that the borrower has sufficient repayment capacity to repay the proposed loan facilities.
• Review and analyse re‑structuring requests from existing loan customers and recommend in line with the bank’s policy TM‑RAC.
• Work out the credit risk rating and check RAROC of the customer as per the bank’s portals.
• Ensure completeness and accuracy of documentation submitted with the credit request to avoid fraud and/or delinquency in the future.
• Review the excess rental release requests of the clients after reviewing the rental register...