Senior Credit Officer
The Role
We believe in offering the best possible support and service to our customers. We do this by adopting a collaborative culture, working together to answer customer needs today and tomorrow - using our shared insight to make their experience with us as unique as possible. As part of our Credit department, you will be reporting directly to our Credit Manager.
Key Responsibilities
As a Senior Credit Officer, your daily activities will include:
- Being responsible for the loans’ administration management of the bank’s credit portfolio.
- Conducting credit assessments and reviews for new and existing credit facilities including the compilation of recommendations to the credit committee.
- Assessing customers’ proposals in accordance with the organisations’ lending policies.
- Ensuring that all the required documentation is held on file for adequate credit assessment and record keeping.
- Building strong relationships with the Bank’s customers and deliver excellent customer service.
- Assisting the Senior Manager, Credit Manager and the Head of Commercial Banking in meeting customer priorities as required.
- Updating on an ongoing basis the credit procedures.
- Preparing periodic risk related reporting for the Head of Commercial Banking and the Bank’s Senior Management.
- Contributing to the overall business results by working together with team members across the organisation to grow sustainable revenues and meet the organisation’s goals.
- Upholding the Bank’s integrity among its various stakeholders and integrate AML/CFT considerations into the relevant aspects of his/her remit.
- Reporting circumstances that may bring the Bank into disrepute upstream as well as transactions that may represent elements of doubt to the Bank’s MLRO.
Skills and Capabilities Required
- Have a minimum of 4 years’ related work experience.
- Be in possession of a finance or banking qualification.
- Be able to work with minimal supervision, adopt a can-do approach and have strong self-motivation.
- Have good organizational and time management abilities.
- Have strong communication, analytical and financial skills, ensuring clarity and accuracy when conveying information to senior/line management.
- Be a strong team player.
- Be fluent in both Maltese and English and have excellent report writing skills.
- Have an advanced working knowledge of Excel and a sound IT aptitude.
Benefits
This opportunity comes with an attractive remuneration package, wellbeing incentives and offers prospects for personal development.
Our employees’ health and wellbeing are important to us. To support this, we offer private health insurance, as well as life and personal accident insurance. In addition, we offer an interest subsidy on home loans or a rental subsidy, a fitness allowance and free parking.
We recognise our employees’ potential and invest in their growth by providing training and development opportunities both internally and externally. Moreover, our employees can benefit from remote working arrangements.
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