Credit Risk Sanctioner (VP)

Job Description Purpose of the RoleTo assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirements, analysing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices.AccountabilitiesAnalyse lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity.Monitor the performance of approved lending, identifying potential risks and early warning signs of delinquency.Evaluate the risk profile of each application considering factors such as industry trends, borrower financials, collateral, and market conditions.Provide independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements.Develop and implement appropriate courses of action for troubled lending, including workout plans, res...