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Manage and train the team of underwriters, fostering a
collaborative and supportive work environment. Provide guidance, training, and
performance feedback to enhance individual and team performance.

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Coordinate the end-to-end underwriting process for SME
loan applications. Review and assess creditworthiness, financial statements,
and risk profiles of SMEs to determine eligibility for financing.

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Conduct thorough risk assessments of SME loan
applications, evaluating factors such as industry trends, market conditions,
and borrower credit history. Ensure compliance with the company's underwriting
guidelines and risk appetite

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Make informed and data-driven lending decisions, balancing
risk and reward. Collaborate with the Risk Infrastructure Lead to establish
credit policies and guidelines for the underwriting team.

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Continuously improve the underwriting process by
implementing best practices, leveraging technology, and refining credit risk
models. Identify areas for process optimization and lead initiatives to enhance
efficiency and accuracy.

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Ongoing monitoring and management of portfolio, which
include making recommendations and/or providing input to further develop
the bank’s lending policy.

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Liaise with various business units and stakeholders

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Interact with clients.

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Ensure that all underwriting activities comply with
relevant regulations and internal policies. Keep abreast of industry trends and
changes in regulatory requirements.

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Collateral Management

Requirements

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Bachelor's degree in finance, economics, business, or a
related field. An advanced degree or professional certifications in credit risk
management is a plus.

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Proven experience in credit risk assessment and
underwriting of SMEs and big Corporates, with at up to 3 years experience in a
leadership or team management capacity.

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Commercial banking experience as a credit analyst

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Modelling, assessing or advising on financial and business
risks should form part of this experience

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Strong analytical skills with the ability to interpret
financial statements, assess creditworthiness, and make data-driven lending
decisions.

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In-depth knowledge of lending regulations, risk management
principles, and best practices in underwriting.

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Excellent leadership and interpersonal skills, with the
ability to motivate and mentor team members.

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Demonstrated track record of process improvement and
implementing automation or technology solutions to enhance underwriting
efficiency.

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Effective communication skills, both verbal and written,
with the ability to articulate complex financial concepts to non-financial
stakeholders.

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A strategic mindset with a keen focus on portfolio
performance and risk management.

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Experience in collateral management would be a plus.

Benefits

You’ll receive
competitive compensation and work with amazing people. You’ll work in a
beautiful environment with a flat structure and solve complex, real-world
challenges.