Liaise with Business Development Officer (BDO) / Relationship Executive (RE), clients and other stakeholders to understand the process or requirements of credit applications for all clients concerned.

Conduct research on the industry in which the client operates to understand the industries overall profitability, industry trends and client’s market standing relative to its competitors.

Perform robust financial and non-financial analysis on the client that will support and underpin all new proposals for commercial asset finance in terms of the clients’ credit risk implications.

Maker use of clients’ historical data for example, its financial statements to forecast the clients potential growth and sustainability. Conduct a sensitivity/scenario analysis to determine the impact that a change, in for example the economy, political situation, consumer demand, etc. will have on the clients’ financial health.

Based on analysis conducted structure a commercial asset finance lending solution for the client, that will account for the potential threats to the client and that is within set credit limits and the Bank’s credit lending policies and appetite.

Compile a proposal which summarizes the clients background and commercial asset finance needs, the research findings and the final recommendation on which commercial asset finance credit lending solution is best for the client, for the Credit Manager to approve in the interim and escalate further for the necessary approval.

Education

Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)