Credit Analyst – Credit Risk

The Credit Analyst – Credit Risk is responsible to evaluate and analyse credit proposal i.e to review and assess the financial history of a person to determine if they are a good candidate for a loan and make recommendation proposal to credit committee. In other words, credit analysts assess the risk profile of the client and the request.

KEY RESPONSIBILITIES:

• To provide timely credit reviews to enable the efficient management of portfolios to adhere to set SLAs.
• Recommend repayment plans base on financial data.
• Analyze and determine viability of a project.
• Prepare recommendation for credit committees.
• Keep informed on all changes in relation to procedures.
• Ensure that the bank complies with all financial regulations as set out by the regulatory bodies.
• To vet letter of offer to be in line with approval terms.
• Consult with internal customers to resolve complaints.
• Assist in developing and executing analytical initiatives across the credit business unit and produce sound recommendations to increase profitability.
• Prepare reports for management in relation to all credit facilities.
• Proper filling of documents and reports.
• To vet minutes of approval prepared by secretary.
• Prepare regulatory and other internal reports.

PREREQUISITES:

• Degree in Banking and Finance 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
• Banking experience in the credit department.
• Attentive to details and deadline driven as well as able to multitask and work under pressure.
• Well versed with processes in place and having the minimum basic credit knowledge.
• A good knowledge of Banking Operations.
• Good working knowledge of regulations within the financial sector would be a plus.
• A good understanding of policies and strategies within the country as they relate to the demands of the customer base.
• A detailed understanding of regulatory guidelines and internal policies.
• Excellent oral and written communication skills, ability to convey information effectively and convincingly to all levels.
• Excellent working knowledge of MS Word & Excel tools.

SKILLS:

• Numerical reasoning ability and analytic skills.
• Excellent planning, organizing and problem-solving skills.
• Attentive to details and deadline driven, as well as able to multitask and work under pressure.
• Self-starter and proactive.
• Solution oriented.