Banka Amerikane e Investimeve - ABI Bank
29.05.2013, 11:35
Ref Job number: #003 Risk#
Job Title: Head of Credit Risk Assessment Sector
Location: Tirana
Division: Risk Management & Permanent Control
Closing Date: 09 June 2013
Credit Agricole Albania Bank S.A., Crédit Agricole Group, a market leader in universal customer-focused banking in France and one of the largest banks in Europe seeks to serve the real economy by supporting its clients’ projects in all areas of retail banking and associated specialized business lines.
Emphasizing its values and its commitment, we are the bank of common sense. It puts the satisfaction and the interests of its 54 million customers, 160,000 employees, 1.2 million shareholders and 6.5 million mutual shareholders, at the heart of its activities.
We are seeking to recruit: Head of Credit Risk Assessment Sector
Job purpose:
Assists the Head of Risk Management & Permanent Control Division in the development of credit risk mitigation policies and manages the implementation of such policies.
It is responsible for the assessment of new and existing customers’ credit risk analysis /credit rating, with reference to Bank’s internal policies and procedures, ensuring that the bank implements sound fundamental principles that facilitate the identification, measurement, monitoring and control of credit risk.
Responsibilities will also include frequent participation and reporting as a member /secretary of the Bank’s Credit Committee providing accurate information toward the upper management. and procedures
Direct Reports to: Head Risk Management and Permanent Control Division
Main Responsibilities:
Plan, organize, direct, control and evaluate the activities of the Credit Risk Assessment Sector.
Ensure credit policies and procedures are followed according to the established regulatory guidelines and the Bank’s Credit Risk Policy, Risk Strategy and other Internal and External regulations (BoA).
Responsible regarding the final Risk opinion related to Retail and Corporate customers in order to recommend appropriate opinion / recommendations to the Credit Committee. The analysis includes:
In depth analysis of the financial statements & ratios and profitability of existing and new borrowers, identifying their financial strength and possible weakness.
Conducting an analysis of the credit, where relevant, securities and assets being offered as collateral by clients, both existing and new, for the purpose of identifying their suitability for lending.
Detailed assessments and critical in depth analysis of projections (cash flow analysis) including comments on feasibility, liquidity, debt repayment ability and refinancing risk
Interpreting the gathered/reported information and conclusions within sound risk analysis.
Gathering information (formally and informally) about proposed borrower in order to have clear information about the parties economically related even giving overall assessments of the sector where the client deals.
Making recommendations on issues such as pricing, the range of facilities, overall credit limits any flexibility or customization required by client and relevant investments.
Monitoring that credit limits for Clients are renewed on time.
Makes appropriate and sound recommendations in regards of the credit proposals of all new and existing customers. It prepares and presents to the Credit Committee Risk Decision Advice Note.
Permanent member and Secretary of the Credit Committee. Assess and document credit limit increases, annual credit reviews and new customer applications (Credit Committee Minutes).
Interact with different internal resources (Legal Office, Loan Administration, Compliance Office and others) for escalation and more complex or difficult issues. Liaise with Legal Office on legal and regulatory implications of the credit/assets being offered as collateral and ensuring adequate information is acquired.
Supervises and monitors existing credit facilities through the preparation of periodic reports, locally and internationally, to ensure they remain appropriate for regular and adequate utilization and settlement.
Takes appropriate action if there is misusage of facilities and corrective action is recommended.
Assess credit risks of new Bank product and services offering.
Recommend modification to credit policy and procedures, if necessary and communicate.
Maintain strong working knowledge of applicable regulations, legislation and compliance issues.
Working in partnership with the business divisions to facilitate and approve transactions.
Optimize human and technological resources necessary to deliver accurate information reporting to the Management.
Train and coach staff members establishing the required knowledge base and skills to reach sector goals.
Supervise and coordinate the staff in order to achieve the sector goals and objectives.
Carries out the principles and procedures of bank personnel policy.
Perform any additional task assigned by his/her supervisor
The ideal Candidate should have:
Ability to work in team and under cut off –s / deadlines
English proficiency.
Communication skills.
Criteria to be fulfilled:
Managerial and Credit Risk Experience (at least two years)
University Degree, preferably economic science or juridical science.
How to apply:
Strong motivated candidates looking for a dynamic job and professional team are welcomed to apply by following these steps:
1- Properly fill our standard application form available to be downloaded. We kindly advise to carefully fill all required info and obligatory fields. For downloading the application form, please click here (http://www.credit-agricole.al/wp-content/uploads/2013/05/Job-Application212.doc).
2- Submit the completed application form by sending it only through this e-mail address jobapplication@credit-agricole.al
3- In the e-mail subject please specify clearly the position reference number.
Please note that only shortlisted candidates will be further contacted from our HR specialists.
Publication date: 29/05/13
Job Title: Head of Credit Risk Assessment Sector
Location: Tirana
Division: Risk Management & Permanent Control
Closing Date: 09 June 2013
Credit Agricole Albania Bank S.A., Crédit Agricole Group, a market leader in universal customer-focused banking in France and one of the largest banks in Europe seeks to serve the real economy by supporting its clients’ projects in all areas of retail banking and associated specialized business lines.
Emphasizing its values and its commitment, we are the bank of common sense. It puts the satisfaction and the interests of its 54 million customers, 160,000 employees, 1.2 million shareholders and 6.5 million mutual shareholders, at the heart of its activities.
We are seeking to recruit: Head of Credit Risk Assessment Sector
Job purpose:
Assists the Head of Risk Management & Permanent Control Division in the development of credit risk mitigation policies and manages the implementation of such policies.
It is responsible for the assessment of new and existing customers’ credit risk analysis /credit rating, with reference to Bank’s internal policies and procedures, ensuring that the bank implements sound fundamental principles that facilitate the identification, measurement, monitoring and control of credit risk.
Responsibilities will also include frequent participation and reporting as a member /secretary of the Bank’s Credit Committee providing accurate information toward the upper management. and procedures
Direct Reports to: Head Risk Management and Permanent Control Division
Main Responsibilities:
Plan, organize, direct, control and evaluate the activities of the Credit Risk Assessment Sector.
Ensure credit policies and procedures are followed according to the established regulatory guidelines and the Bank’s Credit Risk Policy, Risk Strategy and other Internal and External regulations (BoA).
Responsible regarding the final Risk opinion related to Retail and Corporate customers in order to recommend appropriate opinion / recommendations to the Credit Committee. The analysis includes:
In depth analysis of the financial statements & ratios and profitability of existing and new borrowers, identifying their financial strength and possible weakness.
Conducting an analysis of the credit, where relevant, securities and assets being offered as collateral by clients, both existing and new, for the purpose of identifying their suitability for lending.
Detailed assessments and critical in depth analysis of projections (cash flow analysis) including comments on feasibility, liquidity, debt repayment ability and refinancing risk
Interpreting the gathered/reported information and conclusions within sound risk analysis.
Gathering information (formally and informally) about proposed borrower in order to have clear information about the parties economically related even giving overall assessments of the sector where the client deals.
Making recommendations on issues such as pricing, the range of facilities, overall credit limits any flexibility or customization required by client and relevant investments.
Monitoring that credit limits for Clients are renewed on time.
Makes appropriate and sound recommendations in regards of the credit proposals of all new and existing customers. It prepares and presents to the Credit Committee Risk Decision Advice Note.
Permanent member and Secretary of the Credit Committee. Assess and document credit limit increases, annual credit reviews and new customer applications (Credit Committee Minutes).
Interact with different internal resources (Legal Office, Loan Administration, Compliance Office and others) for escalation and more complex or difficult issues. Liaise with Legal Office on legal and regulatory implications of the credit/assets being offered as collateral and ensuring adequate information is acquired.
Supervises and monitors existing credit facilities through the preparation of periodic reports, locally and internationally, to ensure they remain appropriate for regular and adequate utilization and settlement.
Takes appropriate action if there is misusage of facilities and corrective action is recommended.
Assess credit risks of new Bank product and services offering.
Recommend modification to credit policy and procedures, if necessary and communicate.
Maintain strong working knowledge of applicable regulations, legislation and compliance issues.
Working in partnership with the business divisions to facilitate and approve transactions.
Optimize human and technological resources necessary to deliver accurate information reporting to the Management.
Train and coach staff members establishing the required knowledge base and skills to reach sector goals.
Supervise and coordinate the staff in order to achieve the sector goals and objectives.
Carries out the principles and procedures of bank personnel policy.
Perform any additional task assigned by his/her supervisor
The ideal Candidate should have:
Ability to work in team and under cut off –s / deadlines
English proficiency.
Communication skills.
Criteria to be fulfilled:
Managerial and Credit Risk Experience (at least two years)
University Degree, preferably economic science or juridical science.
How to apply:
Strong motivated candidates looking for a dynamic job and professional team are welcomed to apply by following these steps:
1- Properly fill our standard application form available to be downloaded. We kindly advise to carefully fill all required info and obligatory fields. For downloading the application form, please click here (http://www.credit-agricole.al/wp-content/uploads/2013/05/Job-Application212.doc).
2- Submit the completed application form by sending it only through this e-mail address jobapplication@credit-agricole.al
3- In the e-mail subject please specify clearly the position reference number.
Please note that only shortlisted candidates will be further contacted from our HR specialists.
Publication date: 29/05/13