Senior Credit Officer

As a Senior Credit Officer, your daily activities will include:

• Being responsible for the loans administration management of the banks 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 Banks 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 Banks Senior Management.
• Contributing to the overall business results by working together with team members across the organisation to grow sustainable revenues and meet the organisations goals.
• Upholding the Banks 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 Banks 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.