Credit Analyst, Commercial Banking, evaluates credit applications and prepares risk appraisal memos, requires a Finance Degree, CPA/ACCA, and 4+ years experience.
Job Purpose
Analysis of Commercial Banking
Credit Proposals and management of the Commercial Banking Credit risks as
assigned.
Key Responsibilities
Retail
Approval — 80%
Analyze
loan applications and documents presented for Commercial Banking facilities and
ensure compliance with the approved Product parameters, all credit policies and
underwriting standards.
Execute
the credit underwriting function in line with bank credit strategy and the
overall bank growth strategy by undertaking timely review of Commercial Banking
applications within stipulated turnaround time while maintaining the stipulated
loan portfolio migration and early vintage rates.
Conduct
World Check screening for adverse mentions and escalation of the same to
Compliance Department.
Ensure
transaction monitoring is done to analyze customers’ account conduct and risk
profile.
Ensure
credit risk exposures for Commercial Banking are managed within the established
risk appetite and standards to protect the bank from financial loss arising
from a borrower’s failure to repay a loan or meet other credit obligations.
Evaluate
and understand the risks associated with individual transactions, products,
securities, and the borrowers.
Asset
Finance Product and Portfolio Management — 10%
Participate
in the review and assessment of the Commercial Banking Products and Portfolio.
Review
and recommend key changes and updates to the Commercial Banking Products
Offering.
Digitalisation
and Product Enhancement — 10%
Participate
in product digitalization and system enhancement initiatives for the Commercial
Banking Product Offering.
Participate
in the review of the Commercial Banking Product Manual and processes.
Knowledge, Skills, and Experience Required for this Role
At least
4 years’ experience as a loan appraisal officer or related position.
Excellent
understanding of credit risks, financial analysis and the techniques of credit
analysis.
Good
presentation and analytical skills.
Good
communication and planning skills.
Ability
to work with different stakeholders across the bank and manage key
relationships.
