Credit Analyst (Lombard & Mortgage lending)
JOB DESCRIPTION:
Position: Credit Analyst : Lombard & Mortgage Lending
Work location: Geneva
Languages: Fluent in English and French
Other languages a plus
Education: Profile:
University degree or equivalent education in Business and Finance.
? Minimum 5 years in a Credit department of a Bank (Credit Analysis , Administration, Control and reporting)
? Analysis of credit files; monitoring of credit exposures and reporting to Head of Credit Department
? Good knowledge of the modern tools and techniques for the credit risk & reporting.
Role & Responsibilities:
? Analyse and assess Lombard & Mortgage credit requests and submit to competent Credit Committee for approval.
? Execute approved transactions including documentation and perfection of security;
? Processing credit lines as well as fixed term loans in the system following approval of credit applications ensuring all terms & conditions are met.
? Follow up the required credit documentation is collected for each file as per demands of the Credit Committee.
? Monitoring of excesses under credit lines, uncovered credits and preparation of the periodic watchlists
? Control and reporting on the credit approvals and watchlist to Competent authorities
? Review of mortgage loans and ensuring payment of interest and amortization as per approved schedule.
? Management of the visas on the Transfer Monitor.
? Participation in various project and UAT related to Credit Department.
? Various reports on request.
Required skills ? Capacity to assess credit risk
? Reports on work in progress on regular basis
? Ability to work autonomously. ? Very good Communication and interpersonal skills
? Ability to manage several projects at the same time
? General knowledge of banking regulation. ? Available Rapidly
