Job Purpose:
The role of Business Analyst is to support the
business team members- Assistant Relationship Managers and Relationship
managers (RM) in their respective teams / region, to manage a high-quality
portfolio of Commercial banking clients in a manner that complies with the
Bank’s policies. (In line with Shariah and other banks, regulators policies).
Key Responsibilities
A key part of the- Business Analyst role is to
support the business team during the credit cycle. Specific responsibilities
during the various stages of the credit cycle include:
Review of credit proposals
Receive all the information and documentation
required for a proposal from the Senior RMs and RMs to analyze for lending
purposes.
Assist Senior Relationship Managers and Relationship
Managers review/confirm the submitted information and documentation through
site visits and subsequent follow-up meetings/conversations—for adequacy,
completeness, and compliance with all Bank requirements
Prepare all the credit proposals and give
recommendation and submit the same for review by RMs and team leader.
Finalize the credit proposal by incorporating
additional comments where necessary and recommendation and signing off prior to
submission to credit.
Credit decision
Respond to questions from the Credit department or
Management Credit Committee for the submitted credit applications. RMs can
assist the analyst by providing further information.
Work closely with the business team members to ensure
fulfillment of all conditions precedent to facility disbursement, and ensure
that all the relevant documentation is in place
To ensure zero returns of files from Credit due to
documentation
Portfolio Management
Prepare quarterly reviews on borrowing customers and
update on covenant tracking whether met or not.
Support the Relationship Manager and the business
team to raise restructure requests where the client is facing challenges
In the event of non-payment of a facility
installment, ensure that the business team members – ARM and RM have contacted
the client immediately, and, if not resolved, assist them in subsequent actions
to recover credit in arrears according to Bank procedures.
Monitor accounts in arrears and overdrawn accounts,
work with the Assistant Relationship
Managers, Relationship managers and relevant Bank
staff to reduce the portfolio at risk and work with the Collections Unit to
develop and implement recovery processes. This in turn will help to reduce the
portfolio at risk
Work closely with the business team in monitoring the
asset portfolio to prevent defaults on client’s payment, alterations in the
client’s business, and to be aware of forthcoming client’s financial needs.
Prepare early warning signs report for clients that
have shown signs of distress for onward submission to Team leader and
subsequent to Monitoring department. Ensure all Accounts with warning signs are
promptly presented to early watch forum and need to ensure no client is
transferred to DRU without at least 2 months on early watch forum and regular
updates provided.
Follow-up with business team on corrective action to
follow on recovery of facilities as guided by the DRU Policy (e.g. the issuance
of demand letters and transfer of files in due time to the DRU (Debt Recovery
Unit).
Proactively data mine and advise the business team
early on clients which they can enhance facilities.
Highlight all covenants for the borrowing client and
update its status if met or not.
Review of the quarterly facility reviews and ensure
timely submission of the required documents same is done for all borrowing
clients in the assigned portfolio.
Support the team leader in interrogating and
providing Input on the Asset Pipeline from the
Relationship Manager to ensure that bankable
transactions are being on-boarded and in line with the Commercial Banking
Strategy
Client Management
The Business Analyst will support the business team
in the management of the client portfolios assigned to them. These will include
the following tasks:
Ensuring that all customer information and queries
are treated in line with confidentiality agreements as per employment contract
with the Bank and HR policies.
Highlight to business on the early warning signs from
the borrowing customers and recommendations on solutions.
Conduct quarterly visits for top 10 borrowing clients
in the assigned portfolio to preparing a comprehensive call report to be
attached to the quarterly review of the client.
Operations/Compliance
The Business Analyst would:
Ensure that all facility reviewed have complete
client documentation —this is especially important to ensure timely
disbursement of facilities
Ensuring that Shariah-related, Know Your Customer
(KYC), Anti-Money Laundering (AML), and other policies are adhered to for all
facility reviewed by the analyst
Capturing and updating facility applications in the
relevant systems including Credit Quest,
Pipeline Management Tool, Customer Relationship
Management (CRM) system, among others.
All documents should be well uploaded in CQ and
categorized in a correct manner
Skills, Experience and Competencies
Business graduate from an accredited university
preferably with a major in Finance, Marketing and/or Economics. Professional
qualification such as CPA, CFA will be an added advantage./span>
Proven experience of at least two (2) years in a
similar position, with hands on experience in
managing a portfolio of clients and analyzing
business proposals.
5 years banking experience in a lending function with
at least 3 years in credit analysis.
Personal attributes:
Ability to prepare financing proposals
Ability to analyze balance sheet and profit &
Loss statements
Ability to do cash flow analysis,
Knowledge of business segments and economic/industry
sectors and risks relating to the segments
Knowledge of relevant Shariah policies/ processes
Detailed knowledge of relevant Bank policies, e.g.
Credit, KYC, AML
Business development skills:
A good understanding of the target market and growth
opportunities
Thorough knowledge of the Bank’s products and
services
Ability to monitor targets, use relevant information
from dashboard to identify areas to focus on
How To Apply
