Competency Details ( Credit Facilities and Structure Assessment )

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Competencies

Jadarat Dictionary

Credit Facilities and Structure Assessment

Efficiency Technical Competency

Establishes, maintains and evaluates the financial and credit policies and frameworks to identify, assess and manage the organization's credit risk exposure. Applies knowledge and skills of loan/credit structuring and assessment to meet clients' financing needs; is responsible for the overall management and processing of credit applications and is tasked with facilitating credit recovery activities in case of payment default, according to credit risk mitigation plans in place

Jadarat Code: T19

Level 1

Demonstrates a basic understanding of the credit concepts and types of risks associated with credit extension. Shows basic knowledge and awareness of assessing client credit worthiness information, and is able to identify the various risks and trends related to client financing, and is aware of credit recovery activities within the context of own job.

Level 2

Possesses Specialised knowledge of the organisation's credit policies and loan structuring practices. Understands client assessment requirements and how to process credit application, and performs preliminary analysis to support the assessment of client's credit worthiness. Analyses credit-related risks, applies internal credit rating and initiates loans' pricing according to client class. Understands the use of collaterals in credit assessment and loan recovery activities.

Level 3

Deeply understands credit assessment techniques and practices and the relevant laws and regulations that govern credit extension. Uses deep knowledge of loan structuring to meet clients' financing needs, based on the credit analysis results. Establishes the appropriate credit risk mitigating actions, participates in recommending the loan structure, and proposes the use of loan recovery tools.

Level 4

Uses full knowledge to monitor and manage the performance of the credit portfolio, according to the set portfolio strategy and the organisation's credit risk appetite. Provides expertise to maximize the value of the credit portfolio and develops the framework for credit facilities and loan structuring management, according to the agreed plans and set objectives. Provides recommendations for loan structuring based on the assessed credit worthiness for complex credit situations.

Level 5

Applies subject matter expertise to oversee the development and implementation of the credit portfolio strategy, policies, and procedures. Provides expertise in establishing credit framework for assessment of credit worthiness and risks. Establishes the collateral policies and credit risk mitigation plans for different client classes and ensures that the credit facilities and structure assessment processes are in line with the set organisational objectives.