ROLE PURPOSE  

• The Credit Risk Officer will be primarily responsible for analysing credit proposals for both new and existing clients, in accordance with financial performance metrics, to mitigate or avoid potential risks that may be incurred. This includes assessing clients' repayment capacities and overall financial capabilities.

JOB RESPONSIBILITIES  

• Credit Risk Assessment and Decision-Making: Primarily accountable for credit risk assessment, decision-making, or recommendation for Corporate Banking in alignment with the bank’s risk appetite, credit policy, and banking regulations.     Analyze and identify potential risks related to credit, financial, and market conditions, while considering potential opportunities.  

  • Conduct physical on-site verifications on a case-by-case basis, as required. 

  • Consolidate risk assessment findings and submit timely recommendations to the approving authority. Review and ensure the accuracy and quality of approval letters and other documentation prepared by team members. 

  •  Ensure that credit-related items and supporting documentation are filed accurately within the respective document management systems. 

  • Present and make recommendations to the Executive Credit Committee, reflecting the high profile and strategic impact of the role. 

• Credit Reporting: Consolidate risk assessment findings and submit timely recommendations to the approving authority. Review and ensure the accuracy and quality of approval letters and other documentation prepared by team members. 
• Support Bank Objectives & Team: Assist in achieving Yoma Bank’s long-term and short-term strategic goals. Perform additional assignments as necessary. 

QUALIFICATIONS REQUIRED 

Education & Special Training  

Essential 

• University degree in Accounting / Finance / Economics / Engineering or otherwise quantitative field.

Desirable 

• Possession of professional qualifications (completed or partial), such as CFA or ACCA, will be considered an advantage.

Experience 

• Minimum 2 years’ work experience conducting in Analysis/underwriting of commercial loans. 

Knowledge & Skills  

• Ability to work within a team environment, interact with peers and management within the bank as well as with the other departments.

Languages 

• Excellent verbal and written communication skills besides strong analytical, problem solving and presentation skills. 

• Proficiency in English presentation and communication highly desirable.