BB Underwriter

• Perform Financial Statement Accuracy checks and receipt of sales info memorandum from RM to ensure portfolio quality
• Conduct financial statement spreading and analysis on Business banking company's financials referred from the Relationship managers to offer them the suitable lending package
• Ensure that Credit investigation report is in order with no negative findings to cover all investigation aspects
• Pass customers through CSC (Customer screening criteria) to reach customer's risk grade and ensure their alignment with the bank's set risk appetite
• Prepare the Customer's "Terms of Lending"/ "Customer Acceptance Criteria" - (Terms of Lending) as per the customer risk grade
• Conduct regular customer meetings to clarify on risk points
• Approve customer' Buyers and Suppliers based on evaluation of Credit investigation report
• Prepare Credit Approval Memo (CAM), presenting the company's financial parameters matching the relevant policy and write-ups for annual reviews and memos incorporating all risks with strict adherence to CBE and for the annual reviews of the existing clients and new commitments to renew packages
• Obtain the necessary approvals of the relevant the approving bodies on Credit packages
• Provide case feedback on submitted cases form the RMs within the defined TAT to maintain customer satisfaction and set service levels
  
  

Follow up

• Follow up and track the portfolio in terms of the expiry and renewals of granted facilities in order for the required approvals to be finalized before the target date.
• Monitor the facility utilization to ensure that it is within approved limit and structure and ensure prompt settlement of dues
• Respond to the recommended actions regarding the Early Warning alarming signals with actionable interactions in a timely manner to maintain portfolio quality
  
  

Policies, Processes and Procedures

• Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner
  
  

Day-to-day management

• Follow the day-to-day operations related to own job to ensure continuity of work
  
  

Compliance

• Comply with all relevant CBE regulations, banking laws, AML regulations and internal policies and code of conduct in order to maintain sound legal position and mitigate any potential risks
  
  

Requirements

• Bachelor's degree of commerce, Business Administration, accounting or equivalent
• Minimum 4 - 6 for underwriters of lending experience to SME/Midcap segment,
• Credit knowledge & Certification
  
  

Skills

• Change management skills
• Strong negotiation and influencing skills
• Ability to analyse and interpret large volumes of data and take decisions
• Strong presence and ability to work with people across functions at all levels