Description:
Role Purpose
To provide specialist credit risk assessment and portfolio management support within the Workouts & Restructuring function. The role is responsible for conducting detailed credit assessments, analysing distressed or high-risk exposures, and recommending sustainable restructuring solutions that mitigate credit losses and protect the organisation’s risk position.
The incumbent will manage a portfolio of clients within the restructuring environment, ensuring compliance with approved credit policies, regulatory frameworks, and delegated authority levels. The role requires strong financial analysis capability, sound judgement, and the ability to assess commercial viability under distressed conditions.
Key Responsibilities
1. Credit Assessment & Risk Mitigation
Conduct comprehensive credit assessments for restructuring and workout cases within the allocated portfolio.
Review credit submissions for completeness and alignment with approved lending guidelines.
Ensure all required supporting documentation is received and validated.
Analyse financial statements to assess business viability, sustainability, and repayment capacity.
Identify risk factors, anomalies, and potential exposure concerns; propose corrective or mitigating measures.
Evaluate restructuring proposals and recommend commercially sound solutions.
Conduct industry, market, and sector research to assess risk exposure.
Interpret financial, economic, political, and commodity data relevant to credit decisions.
Prepare structured credit submissions for presentation to credit committees.
Coordinate credit committee documentation and track approval statistics.
2. Portfolio Monitoring & Stakeholder Support
Promote sound credit risk management practices across business units.
https://www.executiveplacements.com/Jobs/C/Credit-Risk-Specialist--Distressed-Portfolio-1266503-Job-Search-02-26-2026-09-00-15-AM.asp?sid=gumtree