# Wholesale Banking Credit Analyst

- **Entreprise** : [BANK ABC](https://www.keejob.com/offres-emploi/entreprises/11980/abc-bank/)
- **Lieu** : Tunis, Tunisie
- **Niveau d'études** : Bac + 4
- **Expérience** : Entre 2 et 5 ans
- **Langues** : Arabe, Français, Anglais
- **Métiers** : Analyste Financier
- **Date de publication** : 2023-03-13
- **Date d'expiration** : 2023-08-29
- **Référence Keejob** : 163671
- **Statut** : Offre expirée

## Description

**_Education and experience:_**

\- Master's or Bachelor’s degree in Finance or Accounting and /or equivalent professional experience;

-  Previous Internships in Finance Departments or Credit &Risk Departments is a plus;

-  A Professional certificate in Financial Accounting, CFA, /FRM or any relevant professional certification is a plus;

-  TOEFL/IELTS languages test proficiency are essential;

\- At least 3 years of experience in similar position (working experience on Credit risk assessment and structuring of loans, guarantees, banking products…).

**_Knowledge:_**

\- Good understanding of financial statements (Balance Sheet, income Statements, Cash flow analysis...);

\- Good analytical skills /accounting skills /knowledge in risk analysis; 

\- Strong understanding of business entity legal structures, risk rating, and financial statement ratio analysis;

\- Ability to locate and use relevant industry analysis;

\- Excellent computer skills (Excel, Powerpoint, …) and experience with proprietary bank software and Microsoft Office;

\- Proficiency in English (essential), French and Arabic.

**_Personal Attributes and Soft skills:_**

\- Excellent written and verbal communication and interpersonal skills (English is a must);

\- Self-motivated, able to work well with a team;

\- Great attention to details;

\- Ability to work under pressure and to meet deadlines.

  **_Key responsibilities:_**

\- Acquisition, spreading & analyzing financial statement data and interpreting the repayment capacity of borrowers;

\- Evaluating the credit worthiness of potential and existing clients and determined eligibility for financing;

\- Ensuring credit analysts effectively perform a thorough analysis of the counterparty as well as the transaction and providing an independent view and recommendation;

\- Preparing financing proposal highlighting strengths, key risk factors and mitigation of risk exposure of the proposal;

-  Ensuring active management of credit risk and that all major risks are continually identified, mitigated, monitored and controlled;

\- Assessing the quality and completeness of all relevant data and information needed to analyze new and existing transactions;

-  Drafting Credit Notes based on independent credit assessment submitted by the Wholesale Banking Department to local credit committee and Head Office credit committee; 

\- Preparing credit submission packages, identifying key risks within transactions and relationships, discussing and defending risk related recommendations;

  -   Performing analysis on diverse types of collateral / security proposed;

-  Checking compliance with different approval covenants, conditions and aspects related to guarantee and security in line with the bank policy;

\- Detecting the weaknesses of the credit proposal and suggesting the appropriate credit enhancements / Assist lenders in determining the most appropriate loan structure;

  -  Proposing the risk rating of the relationship as per the scoring bank model / system;

-  Liaising and collecting any relevant information from Corporate-FI and Legal departments to ensure comprehensiveness of the credit package;

  -  Contributing with macroeconomic analyses and research on sector/ industry trends; 

  \-  Insuring loan packages are complete according to bank policy and CBT directives.

**Bank ABC is an equal opportunity employer and qualified women are strongly encouraged to apply.**

## Postuler

Cette offre n'est plus active. Page de l'offre : https://www.keejob.com/offres-emploi/163671/wholesale-banking-credit-analyst/

---
Source : Keejob.com, le site de l'emploi en Tunisie.