BANK ABC recrutement – Wholesale Banking Credit Analyst – Tunis

Description de l’annonce:

Education and experience:

– Master’s or Bachelor’s degree in Finance or Accounting and /or equivalent professional experience;

–  Previous Internships in Finance Departments or Credit &Risk Departments is a plus;

–  A Professional certificate in Financial Accounting, CFA, /FRM or any relevant professional certification is a plus;

–  TOEFL/IELTS languages test proficiency are essential;

– At least 3 years of experience in similar position (working experience on Credit risk assessment and structuring of loans, guarantees, banking products…).

Knowledge:

– Good understanding of financial statements (Balance Sheet, income Statements, Cash flow analysis…);

– Good analytical skills /accounting skills /knowledge in risk analysis;

– Strong understanding of business entity legal structures, risk rating, and financial statement ratio analysis;

– Ability to locate and use relevant industry analysis;

– Excellent computer skills (Excel, Powerpoint, …) and experience with proprietary bank software and Microsoft Office;

– Proficiency in English (essential), French and Arabic.

Personal Attributes and Soft skills:

– Excellent written and verbal communication and interpersonal skills (English is a must);

– Self-motivated, able to work well with a team;

– Great attention to details;

– Ability to work under pressure and to meet deadlines.

  Key responsibilities:

– Acquisition, spreading & analyzing financial statement data and interpreting the repayment capacity of borrowers;

– Evaluating the credit worthiness of potential and existing clients and determined eligibility for financing;

– Ensuring credit analysts effectively perform a thorough analysis of the counterparty as well as the transaction and providing an independent view and recommendation;

– Preparing financing proposal highlighting strengths, key risk factors and mitigation of risk exposure of the proposal;

–  Ensuring active management of credit risk and that all major risks are continually identified, mitigated, monitored and controlled;

– Assessing the quality and completeness of all relevant data and information needed to analyze new and existing transactions;

–  Drafting Credit Notes based on independent credit assessment submitted by the Wholesale Banking Department to local credit committee and Head Office credit committee;

– Preparing credit submission packages, identifying key risks within transactions and relationships, discussing and defending risk related recommendations;

  –   Performing analysis on diverse types of collateral / security proposed;

–  Checking compliance with different approval covenants, conditions and aspects related to guarantee and security in line with the bank policy;

– Detecting the weaknesses of the credit proposal and suggesting the appropriate credit enhancements / Assist lenders in determining the most appropriate loan structure;

  –  Proposing the risk rating of the relationship as per the scoring bank model / system;

–  Liaising and collecting any relevant information from Corporate-FI and Legal departments to ensure comprehensiveness of the credit package;

  –  Contributing with macroeconomic analyses and research on sector/ industry trends;

  –  Insuring loan packages are complete according to bank policy and CBT directives.

Bank ABC is an equal opportunity employer and qualified women are strongly encouraged to apply.

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