{"id":49555,"date":"2020-07-28T16:57:14","date_gmt":"2020-07-28T16:57:14","guid":{"rendered":"https:\/\/joblistghana.com\/?p=49555"},"modified":"2020-07-28T16:57:14","modified_gmt":"2020-07-28T16:57:14","slug":"ghana-international-bank-public-limited-vacancies-2020","status":"publish","type":"post","link":"https:\/\/joblistghana.com\/ghana-international-bank-public-limited-vacancies-2020.html","title":{"rendered":"Ghana International Bank Public Limited Vacancies 2020"},"content":{"rendered":"<p><strong>Job Description<\/strong><\/p>\n<p><strong>Job Title:\u00a0Credit Risk Analyst<\/strong><\/p>\n<p><strong>MAIN PURPOSE OF ROLE:<\/strong><\/p>\n<ul>\n<li>Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, enhancement requests, refinancing and annual due diligence.<\/li>\n<li>Provide recommendations tied to analysis and assessment of credit risk to management, especially providing insights into a borrower\u2019s ability to repay.<\/li>\n<li>Developing models, both mathematical and statistical that directly relates to measuring risk.<\/li>\n<li>Ensure availed limits\/credit lines are renewed on timely basis.<\/li>\n<li>Periodic assessment of asset book performance for management purposes.<\/li>\n<li>Keep up to date with the GHIB\u2019s lending protocols.<\/li>\n<li>Review internal gradings applied by BDM to each customer and ensure their accuracy.<\/li>\n<li>Review legal documentation underpinning transactions and ensure they are in order.<\/li>\n<li>Gain knowledge and understanding of client\u2019s business.<\/li>\n<\/ul>\n<p>KEY RESULTS AREAS:<\/p>\n<ul>\n<li>Support for the Head and Deputy Head of Credit Risk in providing the following functions:<\/li>\n<li><strong>Credit Limits:<\/strong>\u00a0Timely renewal of credit limits\/lines, ensuring that credit proposals are submitted and approved at the appropriate levels to ensure business continuity.<\/li>\n<li><strong>Record Maintenance:<\/strong>\u00a0ensure departmental filings are accurate and up to date.<\/li>\n<li><strong>Loan Documentation:<\/strong>\u00a0Prepare Loan Agreements to incorporate all terms &amp; conditions, protective clauses, and covenants to underpin availed loan facilities; where necessary, liaise with external counsel to review all legal documentation pertaining to a transaction and confirm satisfaction prior to funding.<\/li>\n<li><strong>Reporting:<\/strong>\u00a0Providing relevant reports to management, including economic research and country reports.<\/li>\n<li><strong>Structuring:<\/strong>\u00a0Collaborate with Client Coverage in preparing term sheets and to ensure that deals, facility structures and documentation are in line with credit policy and conform to approvals.<\/li>\n<li><strong>Customer Due Diligence:<\/strong>\u00a0Liaise with relevant departments to ensure that CDD where required is performed satisfactorily.<\/li>\n<\/ul>\n<p>COMMUNICATION:<\/p>\n<ul>\n<li>Relationship Managers; Credit Committee; Legal Counsel and Other Stakeholders.<\/li>\n<\/ul>\n<p><strong>Key responsibilities\/Accountabilities<\/strong><\/p>\n<ul>\n<li>Efficiently evaluating credit applications.<\/li>\n<li>Analyzing periodic market patterns and articulating impact on asset book quality.<\/li>\n<li>Recording anticipated economic environment changes.<\/li>\n<li>Periodic review and updating of country limits.<\/li>\n<li>Compilation and submission of reports for senior management consumption.<\/li>\n<li>Maintain and organize customer records and files within the credit department.<\/li>\n<li>Generate schedules to monitor and track expiry dates of credit lines.<\/li>\n<li>Liaise with relationship managers on matters pertinent to credit application process.<\/li>\n<li>Tracking changes in legislation and regulatory directives<\/li>\n<li>Periodically update internal grading model as new information become available.<\/li>\n<li>Perform sensitivity analysis on the asset book.<\/li>\n<li>Become familiar with the competition to stay ahead of them<\/li>\n<\/ul>\n<p>Skills &amp; Capabilities:<\/p>\n<ul>\n<li>Independent thinker.<\/li>\n<li>Strongly analytical with understanding of financial statements, annual reports, ratios, and concepts and presentation skills<\/li>\n<li>Written communication \u2013 excellent communication skills to interpret and translate financial data into meaningful presentation to Credit Committee.<\/li>\n<li>Strong oral communication \u2013 must be able to sufficiently articulate findings to colleagues and management where necessary.<\/li>\n<li>Strong attention to detail, ability to notice discrepancies in data, and ability to produce reports to a high standard of accuracy.<\/li>\n<li>Team player, as there is need to liaise and work with people within\/outside of Credit Risk Department.<\/li>\n<li>Strong proficiency in MS Office and general computer use<\/li>\n<li>Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision<\/li>\n<\/ul>\n<p>KNOWLEDGE:<\/p>\n<ul>\n<li>Good understanding of financial markets and lending concepts.<\/li>\n<li>Knowledge of African economic environment.<\/li>\n<li>Strong understanding of accounting\/economic principles and concepts.<\/li>\n<li>Knowledge of capital markets, trade finance and structured-trade environment.<\/li>\n<li>Working understanding of KYC, AML and Customer on-boarding processes.<\/li>\n<\/ul>\n<p>EXPERIENCE:<\/p>\n<ul>\n<li>Experience in credit or risk analysis in corporate\/wholesale banking environment.<\/li>\n<\/ul>\n<p>QUALIFICATIONS:<\/p>\n<ul>\n<li>Bachelor\u2019s Degree (preferably in quantitative discipline)<\/li>\n<li>Two to five years of strong quantitative experience.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Job Description Job Title:\u00a0Credit Risk Analyst MAIN PURPOSE OF ROLE: Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, enhancement requests, refinancing and annual due&#8230;..<\/p>\n","protected":false},"author":6721,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_newsletter_tier_id":0,"footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[11],"tags":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p2nO32-cTh","_links":{"self":[{"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/posts\/49555"}],"collection":[{"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/users\/6721"}],"replies":[{"embeddable":true,"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/comments?post=49555"}],"version-history":[{"count":0,"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/posts\/49555\/revisions"}],"wp:attachment":[{"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/media?parent=49555"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/categories?post=49555"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/tags?post=49555"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}