ROLE PURPOSE

SME Senior Officer (Credit Underwriting) will be primarily responsible for analyzing and preparing credit proposals for new and existing clients. The job function will also include the monitoring of borrower’s financial performance to assist in the risk rating process. In addition, senior officer will assist in the preparation of weekly and monthly reports, perform ongoing analysis and complete other duties as assigned.

KEY ACCOUNTABILITIES:

•  Perform underwriting of new and existing loans to assess the financial condition, repayment capacity and risks associated with transaction.
• Analysis of real estate valuation, personal cash flow, business cash flow and related financial statements.
• Conduct site visit to have more understanding of borrower’s businesses
• Review and analyze loan documents, leases, sales agreements, appraisals and other related materials.
• Effectively communicate results of the underwriting in a written / verbal presentation for reviews by the Credit Committee and Senior Management.
• Assure all analysis and underwriting conforms to credit policy, banking regulations and commercial real estate underwriting policies.
• Research data to obtain information regarding current and projected status of certain industries, borrowers and market trends to assist in determining its impact on both the real estate and banking industry.
• Prepare weekly and monthly credit and portfolio loan reports.
• Assist in documents collection for annual loan reviews.
• Perform additional assignments as necessary

Knowledge & Skills

Essential

• Ability to work on multiple projects simultaneously, independently and achieve required objectives with limited supervision.
• Ability to work within a team environment, interact with peers and management within the bank, as well as with the customers and outside support.

Education & Special Training

Essential

• Bachelor’s degree in Accounting, Finance, Economics or related field, will consider commercial experience.

Desirable

• Experience in the financial industry is a plus

Experience

Essential

• Minimum 1-2 years’ work experience in analysis/underwriting of commercial loans.

Languages

Essential

• Excellent oral and written communication skills in addition to strong analytical, problem solving and organizational skills

*Only shortlisted candidates will be contacted for interviews*