The Credit Analyst – SME Loans will report to the Manager Credit Evaluation – SME and will be based at Head office. He/ she will be responsible for assessing credit worthiness and viability of credit facility requests in line with the bank’s credit policy and make recommendations for decision making

Specific responsibilities include:

Analyze, review and reformulate credit proposals/packages originating from branches for presentation to credit committees in accordance with the credit policy and guidelines.

Identify and mitigate risks embedded in the credit proposals received from branches and propose mitigants to Management.

Recommend credit facilities to the respective approval committees in line with evaluation and credit policy and where appropriate with suitable covenants to mitigate risk

Discuss credit proposals with the supervisors in order to understand them and identify risk management requirements and possible counter measures.

Create complete credit mirror files for all cases in an accurate and neat manner in line with credit policy.

Retrieve recurrent client’s mirror files and file the new proposals with the relevant documents.

Prepare weekly turnaround time and pipeline reports and discuss TAT performance with the supervisor.

Identifies areas of weakness in proposals received from Branches and recommend appropriate actions including training.

Responsible for timely review and discussion of credit proposals and ensure they are concluded within the greed TAT and provide clear and timely feedback to the Branch teams on all credit applications within the SLA’s

Maintain a high level customer service ensuring that the appropriate and recommended SLAs are met to both the customers and the Branches

Minimum academic qualifications, Experience & competences

Bachelor’s Degree in any discipline.

At least 4 years experience as a Credit OfficerILS/Business Banker in a financial institution.

The ability to communicate clearly in a professional manner is deemed essential.

Ability to build functioning working relationships across organizational, corporate, and cultural boundaries.

Must be a person of integrity.

Leading and supervising

Stakeholder engagement

Decision making

Very good understanding of the credit business

Computer skills

Ability to construct financial statements and interpret financial ratios