To perform independent credit evaluation/assessment in respect of the credit application of commercial/SME accounts, mitigation, and recommendations to enable decision-makers to formulate well-informed decisions, with the objective to satisfy borrowers needs and protect the Banks asset quality.
To provide support and work closely with Business Units in respect of enhancing credit structure and proposed terms and conditions
Reporting to the Group Chief Credit Officer, the Credit Specialist holds joint responsibility over the Banks securitisation portfolio with Business Unit and Product Specialist. The role is an opportunity to further develop credit skills, work in a dynamic environment to build positive working relationships with multiple stakeholders in the Bank, and would be suitable for a passionate, driven individual with a growth mindset and desire to learn.
Work closely and collaboratively with a team of senior business stakeholders, senior originators, and analysts to structure and approve new securitisation / structured products. This would include assessment of structure, cashflow models and stress testing of underlying assets.