Credit Risk Underwriter (SME Banking and Corporate Banking segment)
- Bank
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Elanın qoyulma tarixi: 17.01.2018Vakansiyaya müraciət tarixi bitmişdir.
İşin təsviri
Credit Risk Underwriter (SME Banking and Corporate Banking segment)
Required qualifications & skills:
• Bachelor Degree in Finance, Economics, Banking or relevant field
• Corporate finance and/or financial accounting background
• Previous working experience as financial or credit analyst/accountant relevant field is must
• Good negotiation and communication skills
• Fluency in Azerbaijani is a must
• Advanced in English (or Russian)
• IFRS 9 credit loss (impairment) modeling knowledge is preferred
• Preferable Certificates in Finance Modeling, CFA, ACCA and etc.
Scope of position
• Cash Flow Analysis and borrower’s financials projection for loan repayment
• Develop/Challenge financial models, conduct benchmarking and process analysis
• Financial modeling for Project appraisal (NPV, IRR)
• Rating credit risk of company. Using credit rating models and other expert systems to assign ratings and support internal analysis
• Assess creditworthiness of existing or new borrowers
• Examine historical financial data and credit history case by case (loan applications, BS&IS&CF statements, legal documents etc.)
• Carefully summarize borrower’s data and produce clear and objective risk opinion
• Acquiring all relevant information for client’s applications and term sheets assessment
• Execution of underwriting of credit applications and proposed limits by Loan Origination and Structuring Division
• Conduct credit risk assessment in accordance with Bank’s approved credit policy and respective procedures
• Perform the analysis of the client’s financial position and future loan repayment capacity, calculation of clients’ credit ratings and making appropriate decision.
• Interaction with Risk Management Department and Monitoring division during the process of credit application in case if any supplementary information required
• Responsible for decision making in line with internal guidelines and methodology
• Updated knowledge of Bank’s risk management policies and relevant procedures and methodologies for underwriting the applications
• Requesting additional information needed for comprehensive risk assessment from Loan Origination and Structuring Division, coordinating interaction with the respective relationship manger if required
• Submit credit applications to Head of division for proceeding to Credit Committee for final decision on loans
• Complete and timely execution of credit risk underwriting for each credit application in accordance with SLAs
Interested Candidates please send your CV to [email protected] indicating the title of position in the subject line of your message.
Otherwise your candidacy will not be considered.
