JOB PURPOSE / ROLE:
To analyze Credit Approval Memorandums (CAMs) and ensure the
accuracy and completeness of CAM's pack and to identify risk contingencies for
effective decision making, and ensure that submitted CAM's are aligned with the
approved KFH's credit policies and procedures.
KEY RESPONSIBILITIES:
CAM Review
- Ensure all required documentations are met as per
preapproved checklists and criteria accuracy, completeness and compliance with
policies & procedures of CAMs.
- Review CAMs for Wholesale Banking customers and ensure
that the documentation requirements are met as per preapproved checklists and
criteria.
- Review CAMs against Wholesale Banking credit policies and
ensure that changes in policies and procedures arising from changes in
products, regulations, or systems are considered and adhered to.
- Undertake all required initiatives in order to adequately
conduct initial checks on financial indicators covering financial statement
analysis, customer competitive position, collateral coverage ratios etc.
- Review CAMs (write up) along with financials analysis to
enlighten approval authority with proper modification or recommendation to
support decision making.
- Review CAM quality in terms of the provided updated
customer's financial position and data which have to be aligned with the
proposed structured facilities.
- Review the documentation provided to meet the internal
credit norms and external supervisory regulations.
- Ensure facilities are in line with customer needs and
capabilities.
- Review and analyze Wholesale Banking portfolio on periodic
basis through macro and micro level.
- Spread financial statements using Moody`s Risk rating
system.
- Review CAM's related to project finance cases to ensure
that the RMs are monitoring each project contract and obtaining regular updates
and necessary documentation.
Risk Contingencies
- Identify risk contingencies in the CAM in order to
appropriately advise and inform RMs on identified contingencies
Continuous Improvement
- Contribute to the identification of opportunities for
continuous improvement of CAM Review systems, processes and practices taking
into account 'international leading practice', improvement of business
processes, cost reduction and productivity improvement.
Policies, Systems, Processes & Procedures
- Follow all relevant functional policies, processes,
standard operating procedures and instructions so that work in CAM Review is
carried out in a controlled and consistent manner.
Quality, Health, Safety, & Environment
- Ensure all relevant quality, health, safety and
environmental procedures, instructions and controls are adhered to so that the
safety of employees, quality of products/services and environmental compliance
can be guaranteed.
Related Assignments
- Perform other related duties or assignments as directed
