Welcome to our website kibweta.com, In this article, are you looking for NMB Bank Hiring Senior Analyst; Client Origination Opportunities? The main goal is to keep credit risk within reasonable bounds by assessing counter-party credit risks related to wholesale banking loans at the customer interface.
In order to facilitate the syndication and co-financing of sovereign (public sector) and non-sovereign (private sector) borrowing customers, as well as to create and carry out syndication and co-financing transactions across Wholesale Banking customers, he or she must also cultivate and maintain strong relationships with the larger lending, structured trade finance, and co-financier communities.
Main Responsibilities:
Strategic Focus
- At the customer interface, offer direct (professional/specialist) credit evaluation services and promptly notify clients of their applications.
- Determine the criteria for risk management and credit at the outset of the business proposal or transaction negotiation.
- To get enough relevant information to assess business risk and deal feasibility from a credit risk perspective, conduct credit evaluation interviews during deal negotiation.
- Reject deals that are not viable at the outset, but collaborate with the head of wholesale client origination, relationship managers, and clients to find alternatives that might result in deals or proposals that fall within acceptable risk ranges in relation to profitability.
Business Acumen and Market Understanding
- Determine, measure, and assess risk factors in connection to the business proposal’s profitability and the overall financial health of the company; analyze and reexamine data to develop a comprehensive grasp of the business factors that generate value or profit and the risks involved.
- To find and comprehend contextual dangers to current and potential clients, use industry risk analysis resources.
- Make recommendations for suitable business credit facilities, including terms and conditions of facilities, after determining if proposals satisfy good business criteria and the counter-party credit risk is within reasonable bounds.
- Create credit applications that offer solid business and financial support for transactions or projects while staying under reasonable risk limits in relation to profitability.
Client Profitability and Risk Management
- Credit applications for existing facilities are processed promptly and pro-actively, guaranteeing fast, complete, and consistent submission within the predetermined turnaround time.
- Determine and assess any changes to important characteristics in a commercial relationship or industry, as well as the effects these changes may have on ongoing business transactions.
- Examine client performance and information obtained from them. Determine the causes of risk exposure that exceeds credit facilities and assess them in light of company risk standards.
- Keep an eye out for excessive or past-due use of credit facilities and help relationship managers control risk exposure.
- Before processing the credit facility, review the customer’s financials and non-financials and provide the relationship manager and customer with adjustment recommendations.
Portfolio Monitoring
- In charge of examining financial data generated by clients.
- Whenever feasible, use “Condition of Sanction” triggers to keep an eye on and manage the portfolio’s quality. If deteriorating trends and trigger events raise concerns, discuss them with sanctioners and concurrently advise the relationship manager.
- Arrange and carry out the portfolio’s yearly credit reviews.
- Using judgment about account behavior based on a thorough knowledge and comprehension of client activities, monitor daily referrals to make sure that customers’ facilities are managed within the limitations established by credit.
Knowledge and Skills:
- familiarity with the main facets of wholesale banking.
- knowledge of important financial metrics and application of financial analysis to assess opportunities and strategic alternatives.
- Strong credit expertise
- strong capacity to establish credibility and influence others (colleagues, stakeholders, and customers) by establishing, fostering, and/or initiating successful relationships.
- Capability to recognize, define, and resolve obstacles in order to achieve a specific goal
- Show a great degree of precision and focus on details.
- The capacity to think logically, rationally, and with solid judgment in order to come up with comprehensive answers.
- Outstanding verbal and written communication abilities, as well as the capacity to actively and interestedly listen, question, and interpret information.
- the capacity to strategically and successfully influence others throughout the organization.
- sophisticated negotiating abilities.
Read also: NOC Systems Administrator Jobs at NMB Bank PLC
Qualifications and Experience:
- A bachelor’s degree in finance, banking, or accounting, or a similar discipline.
- An additional benefit is having postgraduate degrees like an MBA and professional credentials like ACCA/CPA.
- A minimum of six years of banking and/or financial services experience, with five of those years spent in credit evaluation or origination.
- A minimum of two (2) years of experience in co-financing, corporate and governmental debt finance, and syndication.
- Expertise in financial modeling, validation, project structuring, and financial statement evaluation.
- Expertise in managing a team or teams.
There are no fees associated with the application or hiring process at NMB Bank Plc. If you receive a solicitation asking you to pay a charge, simply ignore it.
Only those who have been shortlisted will be contacted.
