About the Role:

Based in Port Moresby and reports to the Credit Underwriting Head. The role is responsible to conduct full analysis on credit cases submitted by Business Banking customers applying for one of Business Banking lending solutions (Policy/product programs) and prepare their credit packages, follow up on their performance to ensure complying with the relevant credit policy, Bank Policies within the defined turnaround time (TAT).

Key Deliverables:

• Prepares Credit Approval Memo write up for simple Lending applications, Credit Application, annual review received from Credit Sales teams and effectively and efficiently complete accordingly
• Ensure financial statements are carefully analysed and information is transferred into the Customer Selection Criteria (CSC) model which will assist Credit Approvers (DCA holders) in decision-making.
• Ensure correct fees, interest rates and repayment schedule are appropriately applied in line with lending policy and documented in the Credit Approval Memo and loan documentation.
• Financial Statement Accuracy checks and receipt of sales info memorandum from Sales Manager (Borrowing) for requests within delegated Tier of customers.
• Conduct financial statement spreading and analysis on customer’s financials referred by the Sales Managers to offer them the suitable lending package.
• Passes customers through CSC (Customer selection criteria) to reach customer’s risk grade as per credit program
• Prepare the Customer’s Customer Acceptance Criteria” (Terms of Lending) as per the customer risk grade as per Credit Program
• Conducts checks/investigation on debtors & suppliers (counterparties) against exit and undesirable lists.
• Work closely with Early Warning as required
• Assist with any other projects as required.
• Ensure positive working relationship, effective communication and liaison with all key stakeholders
• Track the expiry and renewals of granted facilities to finalize the required approvals before the target date.
• Provide case feedback on submitted cases form the Sales Manager (Borrowing) within the defined TAT to maintain customer satisfaction and set service levels.
• Follows all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner
• Receives request from Credit Sales team and checks to ensure all required documents are in place/in order against checklists available.
• Registers requests received from Credit Sales team on a tracking register and allocates to an underwriter to review
• Liaise with Credit Administration Unit to prepare loan documentation (letter of offer, security documents etc).
• Receive loan documentation from Credit Administration Unit and check to ensure approved facilities including all conditions are correctly captured before sending off to the Credit Sales Unit for issuance to customer.
• Conduct internal training sessions for BB Staff to improve technical skills and adherence to BB Credit Policy, process and procedure.
• Completes all mandatory compliance and other allocated trainings within due dates.
• Follows the day-to-day operations related to own jobs in the Business Banking Credit department to ensure continuity of work
• Complies with all relevant BPNG regulations, banking laws, AML regulations and internal BSP policies and code of conduct in order to maintain BSP’s sound legal position and mitigate any potential risks

What You Bring:

Essential Qualifications, Professional/Skills and Experience:

• Bachelor’s degree in Commerce, Accounting, Business Administration, Economics, or equivalent
• Strong oral and written English skills
• Proficient in general desktop applications including Microsoft Office
• Intermediate technical skills across credit processes, policies and procedures, compliance/legislation, risk management, and financial/numerical analysis
• Analytical, with the ability to perform both qualitative and quantitative assessments
• Able to engage confidently with customers without alienating them
• Practical, risk-aware mindset focused on identifying and mitigating key risks rather than solely on documentation
• Minimum 2–7 years’ lending experience in the SME or Mid-Market segment
• Credit certified.

Click on the link https://shorturl.at/bQtqq to apply.

Please ensure to address your CV and Cover Letter to the Senior Manager Talent Acquisition.