Senior Credit Risk Analyst
Current•Training and inspiring my direct-reports to work effectively and meet set targets. • Planning, designing, implementing and managing the overall risk management process for the organization.• Monitoring the business development for emerging risks and recommend policies and procedures to improve the risk management process. • Facilitating the identification, assessment, measurement, monitoring, controlling and reporting the level of risks. • Maintaining oversight over the company’s enterprise risk management activities. • Providing support, education and training to staff in order to create risk awareness. • Ensuring proper documentation of credits by adhering to set documentation standards and procedures. • Defining credit approval framework and recommend credit approval limits in line with organizational policy.• Analyzing and appraisal of Individual credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines. • Conducting periodic stress tests and scenario analysis, assessing the impact to the organization’s credit portfolio and make appropriate recommendations to senior management for appropriate action. • Supporting the loan remediation team, in negotiating work out plans and strategies for delinquent customers and provide additional support with respect to exposures requiring collection agencies or legal action.• Reviewing and analyzing the delinquent portfolio to identify key causal factors, make recommendations and track them to ensure adequate and timely closure. • Monitoring violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate. • Preparing timely, comprehensive and reliable credit risk reports to senior management and board on a regular basis.• Flexibility to carry out any other task as requested by Management.
