Job Purpose:

• To prepare independent analysis of retail credit reviews and submit summary of analysis for credit review above delegated authority.
• To support the Retail segment asset book growth within acceptable PAR tolerance levels to ensure the product remains profitable.

Key Responsibilities:

• Ensure that all client documentation is complete and up to date
• Ensuring that Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to.
• Ensure Service Level Agreement TAT is adhered to through strict monitoring of files held at Credit.
• Check completeness of documents submitted by the branch managers.
• Immediately inform the Branch/Relationship manager of any document missing (according to the checklist).
• 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 new and existing products as per bank guidelines.
• Operations
• Receive credit applications from relationship managers and branches.
• Prompt and fair allocation of applications in the Credit Pool.
• Compliance
• 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.

Qualifications, Experience and Functional competencies

Qualification and experience

• Bachelor’s degree in an Analytical/Business related field
• 4 years banking experience in a lending function with at least 2 years in credit analysis or business development
• Relevant Shariah policies/ processes knowledge
• Product knowledge
• Relevant Bank policies, e.g. KYC/AML knowledge
• Knowledge of credit analysis