CounterpartyCreditRisk

# **Job Description** **Purpose of the role** To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities. **Accountabilities** * Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default. * Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default. * Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies. * Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans. **Analyst Expectations** * To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement. * Requires in-depth technical knowledge and experience in their assigned area of expertise * Thorough understanding of the underlying principles and concepts within the area of expertise * They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources. * If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others. * OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate. * Will have an impact on the work of related teams within the area. * Partner with other functions and business areas. * Takes responsibility for end results of a team’s operational processing and activities. * Escalate breaches of policies / procedure appropriately. * Take responsibility for embe