Job Purpose:
To prepare independent analysis of SME credit reviews
and submit summary of analysis for credit review.
To support the SME segment asset book growth within
acceptable PAR tolerance levels to ensure the product remains profitable.
Key Responsibilities
Check completeness of documents submitted by the
Relationship Managers or Branch Managers.
Inform the Branch/Relationship manager of any
document missing (according to the checklist).
Regularly analyze the risk profile of the bank’s
credit facilities portfolio by product, by sector.
Assign risk grades for each portfolio type following the guidelines in the bank’s credit policy manual.
Review inward cheques report and excesses daily
reports to ensure that they are appropriately sanctioned and therefore
safeguard the bank from financial loss from unauthorized extension of credit.
Timely analysis of credit applications while ensuring
that good quality of the financing assets is achieved.
Preparation of various management Reports.
Review of credit policy and updating it in line with
changes in the financing environment.
Review of new and existing products as per bank
guidelines.
Ensure compliance with both internal and external
regulatory requirements.
Review and ensure compliance of facilities approved
conditions.
Ensure compliance with Credit policies and procedures
at all times.
Ensure compliance with set SLAs at all times.
Skills, Experience and Competencies
Bachelor’s degree in an Analytical/Business related
field
CPA or relevant professional qualification.
5 years banking experience in a lending function with
at least 3 years in credit analysis.
Experience or sound understanding of credit risk and
the techniques of financial analysis
Proficiency in use of relevant MS office applications
Competencies Required for this Role
Knowledge of relevant lending products
Strong credit analytical skills including business
plan analysis, numerical and financial
analysis and interpretation
Key understanding of regulatory and legal environment
Personal attributes:
Analytical and methodical skills
Excellent Communication skills.
Decision making skills
Organizing skills
Communication skills
How To Apply
