
Senior Credit Manager
10 hours ago
At RESO, we pride ourselves on being an inclusive environment where each person values the experiences, perspectives, ideas, and beliefs of others. Our unique position allows us to learn from all our colleagues, combining international experience with deep cultural knowledge and local expertise.
We offer a supportive team environment and strong relationships between team members and line managers. This enables you to take on increasing responsibility and have your performance recognized. As we celebrate different ways of seeing the world, listening to each other, and respecting diverse viewpoints, we grow stronger together.
Job Description
Job Purpose: The primary objective of this role is to prepare, review, and provide recommendations for credit facilities across a portfolio of large corporate clients. This involves ensuring compliance with all relevant credit policies and guidelines.
Key Accountabilities:
- Timely preparation and submission of credit applications, along with necessary client visits and due diligence in coordination with the coverage team.
- Coordination with relationship managers well in advance of annual reviews to obtain necessary information from borrowers, facilitating comprehensive reviews of credit facilities.
- Maintenance of credit processing and approval turnaround times as per agreed SLAs.
- Regular monitoring of accounts and follow-up with business units on terms and conditions to ensure compliance with approval conditions.
- Identification of potential problem accounts through early warning indicators and liaison with business units for suitable action plans to rectify situations at an early stage.
- Review of exception and portfolio reports as applicable, keeping abreast of clients' account conduct, financial standing, and market developments to provide appropriate recommendations regarding risk appetite, ratings, or classification.
- Accuracy of data presented to various stakeholders, including senior management.
Qualifications
- Bachelor's degree (minimum qualification).
- Desirable: Chartered Accountant/Masters in Business Administration (MBA) degree.
- Minimum 5 years' relevant experience in the banking sector, with at least 3 years in similar positions of progressively increasing responsibilities in the credit function.
- Experience in credit management of large corporates.
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