Credit Analyst

Renewal / Extensions:
To commence the renewal process 2 months prior to CA expiry date of each client. Obtain all relevant information; review the existing securities, conditions, cash flows and compliance terms. Highlight exceptions and prepare a complete package. The CA to be fully approved prior to expiry date.

Insurance:
Monitor expired Insurance policies and ensure to request renewal at least one month prior to expiry date.

Post disbursement compliance / pending security compliance / TM/RAC exceptions:
Ensure all pending security compliance are obtained according to CA time lines and highlight exceptions in the latest CAs.

Follow up with RMs / Team leaders: on the Pending compliance items / information required to complete the CAs.

CAs:
Scrutinize the CAs with the RM and compare with the CA conditions and revert to CRM, if needed.

Once the CA is received, offer letter is to be arranged from CCD without any delay and ensure dispatching to customer for signature (through the Private Banker /RM).

Arrange all the documentation (through Middle Office) for customer signature. Seek Legal & Credit Administration assistance in preparing both security & operational documentations etc.

Arrange proper Legal and Sharia approvals in structuring and documentation

Liaise and address all financing queries on existing and new financing

Periodic Review / Maintenance:

• Filing - Properly co-ordinate with the Middle Office team for Filing to maintain properly organized credit files with accuracy and follow consistent filing procedures.

• Monitor accounts, repayments and due dates and bring any early warning signals to the attention of the RMs

• Track / monitor past dues and follow-up with RMs.

Prepare CCRs whenever appropriate

Act as back-up for Other Credit Analysts

Handle additional tasks assigned by Head of CS and Head of PBG.

Deliver professional financing services and ensure achievement of the PBG Credit Solutions risk and business objectives.

Work pro-actively with internal and external clients, including with MPM / ADIB securities, etc to provide service and resolve problems.

Proper assessment of client requirements.

Timely submission, accuracy, strict adherence to the bank policies on the credit proposals.

Reporting to Head of CS of any information relevant to the credit.

Obtain the clarifications sought on the financials from the customer.

Strictly adhere to Bank’s Credit Policy and Procedures Manual and report any exceptions.

Accuracy of the credit terms / conditions. To take note of the changes/ addition in the terms and conditions.

To ensure no delays in delivering documentation.

Finalize the documents in accordance with the credit approval as soon as possible so that, facility shall be disbursed without delay.

To ensure all securities are kept under safe custody with Credit Control Department.

To ensure accuracy of the numbers in all work duties.

Proper credit monitoring and detection of early warning signals