Enterprise Credit Risk Analyst

Job Description

The Enterprise Credit Risk Analyst is responsible for independent monitoring and analysis of credit risk for the Bank's enterprise portfolio. The role provides monitoring adherence to sector, product, obligor, tenor, and concentration limits. Perform stress testing, portfolio scenario analysis, and development of ICAAP reporting. Contribute to the translation of the Risk Appetite Statement into measurable credit risk metrics and limits. Analyze pipeline trends to identify high-risk sectors, products, or borrower profiles. Monitor frequency and materiality of policy exceptions and waivers. Independently review credit risk ratings, scorecards, and key assumptions. Assess adequacy of proposed risk mitigants for the portfolio being created (collateral, guarantees, covenants). Provide independent portfolio and risk impact analysis to credit decision bodies. Highlight concentration, capital utilization, and risk-return implications. Track and report approval conditions and policy deviations. Verify that credit approvals are correctly translated into legal documentation. Monitor fulfillment of conditions precedent and security perfection. Validate correct booking of exposures, portfolio classifications, and IFRS 9 staging. Monitor portfolio performance, risk grade migration, and delinquency trends. Design, maintain, and refine Early Warning Indicators (EWIs). Escalate emerging risks to management with actionable recommendations. Oversee watchlist governance and migration into and out of non-performing status. Review restructuring proposals for economic viability and sustainability. Monitor recovery strategies, and their effectiveness. Support IFRS 9 Expected Credit Loss (ECL) calculations and validation. Support performance of back-testing of PD, LGD, and recovery assumptions. Analyze drivers of impairments, write-offs, and portfolio losses. Prepare periodic credit risk reports for the CRO and Management Committees. Support internal and external compliance and regulatory examinations. Recommend enhancements to credit policy, risk models, and monitoring tools. Contribute to strengthening the Bank’s credit risk culture and discipline. Process Improvement, strengthening the credit risk systems, reporting TAT. Scenario Analysis & Stress Testing Coverage, as required. Data accuracy validation for credit risk module in the Risk MIS tool. Regular credit risk model assumption and output validation (Credit rate scoring model, Mainstream and projects pricing model, and IFRS 9 models). Credit Risk Assessment Accuracy for products and portfolio. Implementation rate for the credit monitoring plan. Capital Utilization Efficiency, maintained within the strategy limits. Documentation Accuracy & Compliance for the entire credit cycle. Management, Board and Regulatory reporting compliance.

How to Apply

Only online applications shall be considered. Address all applications to the Director, People, Culture and Corporate Services of BRD.