Requirements
Analyze financial statements, perform ratio and trend analysis, and evaluate industry risks to assess client creditworthiness. Prepare credit applications, memos, and risk ratings, ensuring compliance with internal policies and regulatory frameworks. Coordinate with various teams for approvals and review loan documentation.
Description
Job DescriptionAnalyze financial statements (balance sheet, income statement, cash flow) to assess client creditworthiness.Perform ratio analysis, trend analysis, and cash flow projections.Evaluate industry risks, business models, and macroeconomic factors affecting clients.Prepare credit risk ratings in line with internal and regulatory frameworks.Identify early warning signals and potential risk exposures in the portfolio.Prepare credit applications/memos for new and existing clients, including:Facility structures (loans, overdrafts, trade finance, etc.)Risk analysis and mitigantsFinancial projections and sensitivitiesCoordinate with Risk, Legal, Compliance, and Credit teams for approvals.Ensure credit proposals comply with internal policies and regulatory requirements.Review loan documentation and ensure accuracy prior to execution.ResponsibilitiesManage transactions with customers using cash registersScan goods and ensure pricing is accurateCollect payments whether in cash or creditIssue receipts, refunds, change or ticketsRedeem stamps and couponsCross-sell products and introduce new onesResolve customer complaints, guide them and provide relevant informationGreet customers when entering or leaving the storeMaintain clean and tidy checkout areasTrack transactions on balance sheets and report any discrepanciesBag, box or gift-wrap packages