Credit Officer

Key Responsibilities

As a Credit Officer your daily activities will include:

• Carrying out daily credit routine tasks, including the processing of transactions, maintenance of collateral items, generation and follow ups on credit related reports and other tasks as delegated by the Head of Credit or his delegates.
• Supporting the Credit function in the daily monitoring and control aspects and conducting credit assessments and reviews for new and existing credit facilities including the compilation of recommendations to the credit committee.
• Ensuring that all the required documentation is held on file for adequate credit assessment and record keeping.
• Building and maintaining strong relationships with the Banks customers and deliver the highest levels of customer service.
• Assisting the Assistant Credit Manager, Credit Manager and the Head of Credit in meeting customer priorities as required.
• Updating credit procedures on an ongoing basis.
• Preparing periodic risk related reporting for the Head of Credit 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 potential elements of concern to the Banks MLRO.

Skills and Capabilities Required

• Have a minimum of 1 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.

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