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Main Responsibilities
Transaction Support: Review and Analysis
a) Preliminary review of transaction requests submitted to CRAS by the business units to confirm that they meet the Bank’s eligibility criteria and advise line Manager accordingly.
b) When required (in support of the credit intelligence unit), carry out comprehensive annual or ad hoc credit reviews of the Bank’s existing obligors and their respective credit facilities to promptly identify loans or exposures with actual and potential credit weaknesses so that timely action can be taken to strengthen credit quality and minimize losses.
c) Prepare comprehensive credit summary reports in a standardized format and in line with the guidance from line manager or departmental head and articulate the key outcomes of the annual credit review exercise and provide recommendations of the exposure strategy and credit risk mitigation as may be applicable.
d) To carryout country risk credit reviews and credit grading of the sovereign portfolio from time-to-time in support of the Bank’s lending activities to sovereigns.
e) To support the line manager /unit head in performing specific tasks as assigned in support of key initiatives for the Credit Assessment Department being handled by the unit from time to time.
f) To support the credit assessment process through generation of country risk review insight reports, banking sector risk analysis review insight reports, sector and product specific risk review insight reports i.e. for the Anglophone West Africa coverage countries or other regions as may be required.
g) Undertake desktop research for Country Reports relevant to each transaction.
h) Undertake desktop research for Business Sector/ Industry under review on each transaction.
i) Undertake desktop research for the Company under review on each transaction.
j) Based on the above, prepare a basic analysis of the Macroeconomic and the Microeconomic environments as relevant to each transaction
k) Providing support to line manager through financial statement spreading and analysis of new loan requests and existing credit relationships.
l) Extract relevant financial information from audited financial statements /management accounts provided to support each transaction.
m) Carry out financial analysis which will include detailed analysis of key performance indicators as provided within the financial statements.
n) Calculate relevant financial ratios based on the financial analysis model being utilized
o) Obtain information from the relevant Department on the Country and Single Obligor Exposure and provide same for input into the Credit Memorandum
p) Under the supervision of a designated staff, prepare industry analysis of key industries on a quarterly basis.
q) Review of borrower’s compliance with approved financial covenants and other undertakings
r) Carry out an initial review of requests received from borrowers for variations of approved terms.
Other Specific Tasks and administrative responsibilities
a) Salesforce – Ensure transactions status /staging is always updated on salesforce. Salesforce records status must always be reflective of actual status at CRAS.
b) Rating Models- Undertake rating of clients for preliminary grading of transactions under assessment. i.e., using the relevant ratings models – Financial Institutions, Corporate, Project Finance, Structured Trade Finance, Facility Rating Model.
c) Compliance – Liaising with the Compliance department for the confirmation of KYC/ CDD status and obtaining required MANCOCO reports.
d) Management Reporting: Support and work with the CRAS team by collating and updating the Department’s Transaction pipeline in preparation for Management and Board meetings; Prepare periodic status of transactions for the purpose of reporting (Monthly reports, Board Reports, etc.) and exchange of documents with relevant departments (under supervision of line manager).
e) Business Meetings – Assist in arranging relevant transaction related calls, preparing Meeting minutes, Terms of Reference and Back to Office Reports (under supervision of Line Manager).
f) Performance Tracking – Track and report all aspects of the CRAS - Anglophone West Africa Regional Office strategic objectives and Initiatives and actively follow up with relevant officers, where necessary
g) Administration: - Where required, prepare the minutes for the departmental weekly/monthly meetings.
h) Perform any other duties as may be assigned by the D-CRAS, Line Manager and Bank management.
Compliance Responsibilities
a) Understand and adhere to the Bank's AML, Regulatory and Conduct Compliance policies and procedures, notably.
- Staff Handbook (has code of conduct provisions)
- Anti-Money Laundering (AML), Counter Financing of Terrorism and Counter Proliferation Financing
- Conflicts of Interest and Policies on Staff Involvement in External Engagements/Activities
- Anti-Bribery & Corruption
- Insider Trading Guidelines
b) Report any suspicious or non-compliant activities or matters relating to the Bank’s staff or the customers to the Compliance Department.
c) Complete the Annual Compliance Training/Assessment.
d) Identify and refer any potential suspicious transactions, activities and compliance risks to the Director of Compliance.
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