CREDIT ASSOCIATE – RISK

The Credit Associate is responsible to evaluate and analyse credit proposals including complex requests.This position is offered on a contractual basis for a duration of 3 years.

The Credit Associate is responsible to evaluate and analyse credit proposals including complex requests i.e to review and assess the financial history of a person or company - to determine if they are a good candidate for a loan and make recommendation proposal to credit committee in line with the bank’s credit policy. This position is offered on a contractual basis for a duration of 3 years.

KEY RESPONSIBILITIES (not limited to the following):

• Evaluate and analyse credit proposal including complex request
• Provide timely credit reviews to enable the efficient management of portfolios to adhere to set SLAs. Exercising sound judgement in the evaluation of credit applications
• Prepare high quality and consistent credit reports and make recommendations
• Ensure that the bank complies with all financial regulations as set out by the regulatory bodies
• Assist in developing and executing analytical initiatives across the credit business unit and produce sound recommendations to increase profitability.
• Submission of regulatory reports in a timely manner as per set deadline by regulators
• Develop practical and appropriate professional credit solutions through understanding the customers’ needs while ensuring the highest standards of credit quality through structured monitoring and control

PREREQUISITES:

• Degree in Banking and Finance/Accounting from a recognized institution or an alternative qualification from a recognized institution in a field of study relevant to the scope of work, acceptable to the Bank
• Good knowledge of regulations within the financial sector would be an advantage

SKILLS:

• An understanding of regulatory guidelines and credit risk policies and procedures.
• An understanding of policies and strategies within the country as they relate to the demands of the customer base
• Strong computer proficiency with Microsoft Office
• Excellent oral and written communication skills, ability to convey information effectively and convincingly to all levels.
• Strong credit, accounting, analytical skills and report writing skills.
• Able to work under pressure