Credit Evaluation Manager
Core
Assess and evaluate lending applications through robust credit risk assessment, affordability analysis, and sound financial principles to support asset book growth while ensuring lending decisions remain within the Bank's risk appetite and regulatory framework.
Role type
Senior IC credit evaluation manager
Builds
A high-quality credit portfolio for a banking and financial services group
Domain
Banking / Financial Services / Credit Risk
Required skills
Credit risk assessment, Affordability analysis, Financial statement analysis, Repayment structure evaluation, Collateral management, Credit process knowledge, Loan assessment, Regulatory compliance
Preferred skills
Real estate finance, Property finance, Structured lending, Valuation assumptions analysis, Security package design
Technologies
None stated
Responsibilities
Critically assess valuation assumptions, sustainable cash flows, loan-to-value, debt-service and interest-cover metrics, lease profile, tenant quality, vacancy, break options and marketability; Design or challenge fit-for-purpose security packages, guarantees, cessions, mortgage or other collateral arrangements, intercreditor terms and enforcement priorities; Make credit decisions and recommendations in line with applicable lending policies, regulatory requirements and sound credit risk principles; Identify and mitigate credit risks through appropriate security structures, facility conditions and ongoing portfolio monitoring; Build strong relationships with business stakeholders and act as a trusted advisor on credit matters.