01Overview
The purpose of this job is:
1. To research and analyze credit risk for SEG and SME cases through existing due diligence processes, external agency support and in conjunction with the sales staff and risk team
2. To assess credit history and approve/ deny extension of credit to potential commercial customers
3. To keep the house keeping under control i.e. timely renewals, tracking of DPDs (for the assigned portfolio)
4. To prepare proposals for approved cases and work in collaboration with sales and risk teams to ensure sanction limits and enable quick TATs
5. To develop and maintain positive business relationships with dealers, commercial customers and sales staff.
6. To render appropriate credit decisions for more complex commercial financing requests.
To assist less experienced Credit Analysis team members with SEG & SME on credit policy issues and commercial underwriting negotiations .
