job description - Credit Manager
Bachelor of Commerce degree in Finance, Accounting or higher preferred- 3+ years of lending or credit experience required
- Sound credit analysis experience required
- Commercial legal knowledge preferred
Key duties for the Credit Manager include but are not limited to:
- Conduct detailed credit analysis covering financial, operational, collateral, shareholder, and industry aspects
- Prepare credit papers for client facility adjustments and covenant breaches
- Present requests to the board and Group credit committees
- Engage continuously with clients for monitoring, identify credit stress, and assist in recoveries, while ensuring compliance and collaborating with stakeholders to manage credit risk effectively.
- Proficient in banking business and product knowledge
- Strong analytical skills including financial statement analysis and understanding of IFRS
- Comprehensive grasp of credit principles and lending processes
- Knowledgeable about various industries and macroeconomic factors impacting clients
- Familiarity with commercial legal aspects such as insolvency, collateral, and deal structures
- Understanding of Basel and AIRB Capital frameworks, coupled with financial modelling and forecasting abilities
- Proficiency in Excel, PowerPoint, and CGIC insurance cover understanding
Key personal skills for an effective Credit Manager:
- Strong communication and interpersonal skills
- Passion for continuous learning and development
- Meticulous attention to detail with strong analytical abilities
- Ability to thrive under pressure, prioritize tasks, resolve conflicts, and creatively solve problems
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