Test Triangle - Manager - Credit Risk

Key Skills:

- Strong knowledge and understanding of credit risk assessment techniques and methodologies.

- Proficient in conducting financial analysis, including cash flow analysis and ratio analysis.

- Solid understanding of underwriting principles and credit risk modelling.

- Excellent analytical and problem-solving abilities, with attention to detail.

- Strong knowledge of relevant regulations and compliance requirements.

- Effective communication and interpersonal skills to collaborate with internal teams and communicate credit decisions to stakeholders.

- Proficiency in using credit risk management software and tools.

- Ability to work independently, manage priorities, and meet deadlines in a fast-paced environment.

Job Responsibilities:

- Conduct comprehensive credit assessments and risk analysis for commercial and consumer financing applications.

- Analyse financial statements, credit reports, and other relevant documents to evaluate the creditworthiness of applicants.

- Develop and implement credit risk policies, procedures, and guidelines to ensure compliance with regulatory requirements.

- Assess and manage credit limits and exposures based on risk assessment and internal credit policies.

- Collaborate with internal stakeholders, such as underwriters and sales teams, to gather necessary information and ensure efficient credit decision-making processes.

- Monitor credit portfolios to identify potential risks and develop risk mitigation strategies.

- Keep abreast of industry trends, regulations, and best practices in credit risk management.

- Provide guidance and training to junior team members to enhance their credit analysis skills.