Bank Risk Assessment Officer

The Bank Risk Assessment Officer is responsible for evaluating, monitoring, and managing financial and credit risks associated with the company’s banking relationships and financial exposures. The role requires prior experience working in a bank, with strong knowledge of risk assessment, credit analysis, and compliance. Loan coordination duties will form part of the role but are not limited to the main responsibilities.

Key Responsibilities

• Conduct financial and credit risk assessments related to banking facilities, loans, guarantees, and financial instruments
• Analyze financial statements, cash flows, and creditworthiness to support management decisions
• Monitor existing banking facilities and assess risk exposure on an ongoing basis
• Coordinate with banks regarding loan documentation, renewals, restructuring, and compliance requirements (part of, but not limited to, duties)
• Ensure adherence to internal financial policies and external regulatory requirements
• Identify, evaluate, and report potential financial and credit risks to management
• Support negotiations with banks and financial institutions on terms and conditions
• Prepare risk reports, forecasts, and recommendations for senior management
• Liaise with internal departments to gather financial data and ensure accuracy
• Assist in developing and improving risk management frameworks and controls
• Perform any other related duties as assigned by management

Qualifications & Experience

• Bachelor’s degree in Finance, Banking, Accounting, or a related field
• Minimum 5-10 years of experience working in a bank, preferably in risk, credit, or finance functions
• Strong understanding of banking products, loan structures, and risk assessment methodologies
• Experience in credit analysis, risk reporting, and compliance
• Proficiency in financial analysis tools and Microsoft Excel
• Strong analytical, communication, and coordination skills

Skills & Competencies

• Risk assessment and analytical thinking
• Attention to detail and accuracy
• Strong negotiation and stakeholder management skills
• Ability to work independently and handle multiple priorities
• High level of confidentiality and professionalism

Job Type: Full-time