Marie Ornella Christelle PETIT

Responsibilities:

- Perform credit analysis of SMEs & MMEs' credit applications, take decision on facilities in line with the Banks' Credit Risk policy, regulatory guidelines and risk appetite of the Bank whilst facilitating the business to ensure a good risk balance;

- Highlight main risks and mitigants and provide recommendations on credit request in line with Credit Policy;

- Guide and support front liners in structuring banking facilities with a view to promote a more efficient decision making process;

- Maintain good collaborative relationships with front liners to facilitate the lending process thus ensuring a good risk balance;

- Participate in regular post disbursement monitoring exercise such as account monitoring, covenant and Conditions subsequent monitoring to ascertain that actions proposed are being followed and ultimately get materialized;

• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Assessing retail credit application for both individual (Retail and Private Wealth Management segments both local and international clients) and non individual to highlight main risks and mitigants and provide recommendations in line with Credit Policy
• Reviewing loan requests
• Assessing clients' financial status and calculating risk ratios
• Guide and support front liners in structuring banking facilities to promote a more efficient decision making process
• Maintaining good collaborative relationships with front liners to facilitate the lending process while ensuring a good risk balance
• Monitoring of out of order customers and provisioning exercise

• Formalising credit requests for SME customers (non-individuals)
• Analyzed credit scores to determine borrowers' creditworthiness.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.

• Responded to non-individual customer inquiries and provided assistance over phone, email and in person.
• Dealing tickets for special rates with Treasury BU for non-individual customers
• Prepared and handled applications for opening of accounts for non-individual customers

• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.

• Provided assistance to Relationship Executive
• Prepared of credit documentations and assisted clients in the signature of credit documentations (Letter of offer and security documents)
• Responded to customer inquiries and provided financial assistance over phone and in person.
• Provided clients with information on products and services provided

• Handled customer inquiries and suggestions courteously and professionally.
• Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
• Completing money transfers, opening and closing of accounts