Senior Credit Manager - AVP Senior Credit Manager - AVP …

Citi
à Budapest, Budapest, Hongrie
CDI, Plein-temps
Dernière candidature, 16 juin 19
Competitive
Citi
à Budapest, Budapest, Hongrie
CDI, Plein-temps
Dernière candidature, 16 juin 19
Competitive
Senior Credit Manager - AVP
  • Primary Location: Hungary,Budapest,Budapest
  • Education: Bachelor's Degree
  • Job Function: Risk Management
  • Schedule: Full-time
  • Shift: Day Job
  • Employee Status: Regular
  • Travel Time: No
  • Job ID: 19024653


Description

Senior Credit Manager

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Your tasks:

• Execution of all relevant Credit Policies, Programs and Procedures for the credit process.
•Periodical/new credit risk review of existing, prospect individual clients or group of companies 
•Assume full responsibility and leadership of parties involved in the credit process, for timely completion of tasks related to the assigned portfolio/pipeline.
•Visiting the client premises in person periodically -minimum as required by procedures- to meet the management and to well understand the activity, production phases -if the case- to be facilitated in risk analysis
•Decision making and credit file preparation including but not limited to client risk ratings, management assessment, match of the credit product types, tenors and loan amounts to the purpose of the loan, collateral types and evaluations, special conditions, covenants, financial analysis
•When required, perform as second approver/checker of Credit Applications according to designated approval limits
•When needed as per procedures, preparation of Greenlight Memos together with Sales Team and presenting the draft credit proposals to required approvers at the Greenlight Meetings
•Identification of any risk issues regarding the assigned/designated portfolio/pipeline timely. Deciding and planning all the necessary actions needed in cases where deterioration is expected
• Responsible for deciding on and monitoring the remedial strategy of each client classified for close monitoring
•Responsible for cost of credit
•Preparing and leading ad-hoc analytical tasks (i.e. portfolio review purposes, stress tests)
•Follow the market practice, initiate necessary changes in risk process, procedures and initiate actions for development in relevant areas. Responsible for updates and improvements of credit policy, process, credit tools and procedures
•Maintain credit related data consistency by daily usage of reports, credit tools, etc

Management responsibilities:

•Build close professional relations with other divisions in the organization
•Mentor Sales team and any relevant teams to support the quality improvement of credit process
•Responsible for setting a good example, training and coaching of more junior staff and interns
•Ownership: Own and lead the end to end credit process, take full risk management responsibility for the assigned/designated portfolio. Plan about every next step to be taken in credit process of portfolio/pipeline assigned. 




Requirements:

• Minimum 8-10 years of experience in banking or other financial services in a credit related area
•Knowledge of credit disciplines, loan products, risk management and, local regulations, risk policies
•Demonstrated knowledge of accounting and its practical application in the credit underwriting process
•Broad based experience in structuring bilateral credit agreements, knowledge on complex credit products
•Strong understanding of Commercial Banking Business and Market
College or University degree in Finance, Accounting or Economics
•Written and spoken English
•Good PC use

What we offer:

• Being familiar with other divisions of the bank, taking part in professional trainings, obtaining deep market knowledge through customer visits, market researches and getting coaching from senior management through daily connection.

Apply now to be part of this dynamic team.


Qualifications

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