주요업무내용

1. Main Functions of Job:
- Counterparty credit reviews
- Assessing credit risk
- Manage the administration of the credit function
- Supporting credit decision-making process

2. Key Tasks:
- Prepare all applications, including spread sheeting if applicable, for new or increased credit limits for approval, or otherwise, by Credit Officer / General Manager / Credit Committee (as appropriate).
- Discuss with appropriate staff all aspects of each item of credit exposure.
- Monitor daily all obligor and country exposures to ensure that they are within credit policy and approval limits.
- Manage the administration of the credit function.
- Prepare all recommended pre-approved credit limits for annual review by the Risk Committee.
- Keep under continuous review all pre-approved or other limits for appropriateness in the light of developments in the credit standing of all obligors.
- Ensure that the correct credit limits are input into the appropriate operating system for monitoring.
- Bring all credit excesses to the attention of the Credit Officer immediately.
- Keep under review the Credit Policies & Procedures for recommendations to the Credit Officer for updating or improvements.
- Be aware at all times of all matters that might give rise to credit quality declines of obligors or countries.
- Manage the Credit Monitoring and Watch List processes.
- Review adequacy of loan loss provisions in light of current circumstances.
- Provide the administration function of the Credit Committee
- Manage the account opening process, verifying the accuracy of the information to be used, checking the regulated status of financial institutions or the incorporated status of companies to ensure the suitability of the customer.
- Minute new limit approvals.
- Obtain annual reports from our customers, either printed or downloaded from the internet.
- Review and set industry limits, in conjunction with the Credit Officer, and regularly check compliance with those limits.
- Prepare industry studies as required.
- Review the Credit Department’s monthly report to the Risk Committee for accuracy.
- Act as back-up for the Credit Officer when absent.
- Undertake the key tasks of the Credit Administration Officer when absent.
- Undertake ad-hoc projects as required.
- Undertake any other duties as specified by the Credit Officer