Job Description

1. Reports directly to the Area Commercial Manager and functionally to the Mid Corp RMs
2. To conduct annual credit review for the Mid Corp RMs within the stipulated timeframe ie 1 month before review due date (T-1) 
3. To conduct variation and amendment papers for the Mid Corp RMs that include ad-hoc memo for pricing & RAROC, facility restructure, and other issues relating to fee, charge, covenant.  
4. Support Mid Corp RMs in financial spreading, rating, pricing calculation, business & operation update, risk analysis for new/existing customers.
5. Assessing, analysing and interpreting financial statements, performed risk analysis on new/existing borrowers as well as generating cash flow forecasting models to determine debt repayment capability and profitability. 
6. Conduct market research to support credit analysis/assessment. 
7. Identifying early warning signs or credit weaknesses to circumvent potential loan loss.
8. Conduct periodic covenant tracking if required
9. Check on supporting information required for new or annual review submission including 1AML, GP6, Interpol, GCLS (if ID granted), 1P, Banktrade and CFMA. 
10. Other ad-hoc requirement relating to the CBC as and when required by the Area Commercial Manager.