Credit Assessment
Assess borrower or customer’s credit worthiness and credit risk based on internal credit guidelines to determine suitable credit structuring options
Type
Domain
Competency Area
Investment and Financial Management
Levels
Support assessment of credit worthiness of customers
Identify and verify availability of correct documentation for credit assessment
Interpret information contained in financial statements
Apply credit risk analysis techniques to determine type of borrowers and identify credit worthiness for simple borrower or customer scenarios
Apply internal credit rating policies and systems to determine customers’ credit standing according to customer types
Assess credit worthiness of customers based on credit analysis findings
Review credit documentation and financial statements for standard credit applications
Verify credit risk analysis findings and reported results
Validate customers’ credit standing
Distinguish the difference between internal and external credit ratings
Monitor on-going credit worthiness of customers
Assess the impact of unfavourable factors on customers’ credit worthiness
Draft basic credit proposals and credit structuring options based on credit assessment
Determine credit risks of customers and suitable credit structuring options
Approve credit risk ratings for borrower or customers
Review credit worthiness assessments performed by team members
Apply advanced credit risk analysis techniques for complex applications
Assess on-going credit worthiness of customers
Review organisation’s credit risk policies and procedures
Verify compliance of credit renewals
Develop credit facility structures to meet customers’ needs and requirements
Provide recommendations for loan structuring based on assessed credit worthiness
Write credit proposals with structured credit facilities
Lead organisation’s framework for assessment of credit worthiness
Evaluate comprehensiveness of organisation’s credit analysis frameworks and procedures
Review applicability of credit risk analysis techniques
Evaluate summaries and assumptions made for assessment of on-going credit worthiness of complex and priority customers
Provide strategic direction in aligning credit assessments to policies
Establish reasonableness of credit proposals for bespoke customer scenarios
Reassign or approve credit risk ratings and credit proposals
Endorse credit facility structures and suggested credit structuring options