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:
Operations

• 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.

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.

Other

• Safeguard and promote the bank’s image with the general public.

Requirements

Qualifications and Experience:

• 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
• Problem Solving skills
• Analytical and methodical skills
• Excellent Communication skills.
• Decision making skills
• Organizing skills
• Communication skills