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

• Monitor 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.