Manager, Credit Origination

Job Responsibilities

• Identify credit and risk management requirements at the initial stage of the credit application
• Evaluate business risk and proposal viability from a credit risk perspective. 
• Utilize industry risk analysis available to identify threats to existing and potential clients 
• Evaluate credit application memos to ensure that they comply with the bank’s credit and collateral policies 
• Analyze business proposals providing sound financial and business justification within acceptable risk parameters relative to profitability. 
• Supervise and provide guidance on the work of Business Banking Credit Analysts to ensure quality of credit applications. 
• Manage the bank’s commercial credit portfolio on on-going basis and be responsible for transactions within the portfolio.  

Candidate Profile

• Minimum of a first degree in Finance, Economics, or relevant field. 
• A second degree and/or professional qualification in finance related field will be an advantage.
• At least 6 years working experience in Banking and specifically in Credit Admiration and Management 
• Have in-depth understanding of the Business Banking  
• Working experience in management role. 
• Strong Financial Statement and Balance Sheet Analysis Skills and the ability to identify warning signs from a business’ financial statement. 
• Strong credit data analysis and credit management skills. 
• Conceptual understanding of credit policies/principles and how successful it’s application will lead to market success. 
• In-depth understanding of financial markets, and the application of the entire range of products and services available to meet the needs of the bank’s Business Banking clients.