Description
The incumbent will be responsible for analysis of customers' financial performance and feasibility study for the purpose of creditworthiness assessment.
Responsibilities
•Perform the core functions defined for the position in accordance with the laws, rules and procedures regulating the sector
•Based on the study of the financial and economic activities of business entities meeting the Corporate Lending Service criteria, the availability of collateral, and business site visits, prepare opinions on the expediency of lending to such business entities
•Discuss the prepared opinions and reports with the Division Head
•Present the prepared opinions for discussion and decision-making by the Bank's competent bodies
•Ensure that the credit file contains all other documents prescribed by the Lending Procedure, apart from the agreements and their accompanying documents
•Perform ongoing service and monitoring of disbursed loans, ensuring that borrowers properly fulfill their credit liabilities
•Conduct analysis (monitoring) of the financial and economic activity indicators of the borrowers based on the data provided by the borrowers, as well as data obtained from other sources
•Make decisions for organization and implementation of the lending processes within the vested authorities
•Maintain communication with the customer
•Identify, discuss and develop solutions together with the team leader to address the issues impeding ordinary course of work
•Conduct comparative analysis of the indicators of different borrowers from the same field
•Develop and maintain databases of borrowers' financial, economic and technical indicators
•Conduct ongoing technical and economic monitoring of projects implemented by borrowers
•Monitor the financial, economic and technical covenants set by the Bank for borrowers
•Prepare reports, as needed
Requirements
•University degree in economics or engineering
•At least 2 years of work experience
•Analytical and flexible mindset
•Team-player skills, ability to respond and adapt quickly to changing situation
•Proficiency in AS Bank and MS Office
•Knowledge of Armenian, Russian and English
•Analytical skills
•Communicability
Conditions
•Permanent
