JOB TITLE: Credit Analyst
REPORTING TO: Manager Credit Analysis

Summary: To provide an independent assessment of credit and business risks by ensuring detailed analysis, review and formulation of credit proposals/packages originating from the SME Business Segment in accordance with the credit policy and guidelines.

Key Responsibilities:
• Preparation and submission of high-quality Credit Application documentation in accordance with the Bank’s Credit Policy/Manual.
• Review and evaluate SME business applications for accuracy and compliance with the credit policy before presentation for relevant approvals.
• Monitor the SME Business Segment portfolio to ensure compliance with approved terms and conditions.
• Liaise with the SME Business Segment heads for advances appraisal, reviews, excess reports, site visits, financials and other analysis related information to support the credit applications.
• Ensure that all credit facilities within your portfolio comply with the Credit Policy and other applicable laws and regulations and, are monitored throughout the post disbursement phase.
• Ensure that all watch listed accounts within your portfolio that are discussed in the monthly watch meeting and action plans are recommended are followed through.
• Ensure that accounts within your portfolio with issues outstanding beyond a period of 90 days are reported on ASTAR.
• Ensure that accounts within your portfolio that have post approval terms including covenants, conditions, risk triggers are complied with.
• Ensure daily monitoring of Exceptions (limit excesses and other non-compliance with approved conditions).

Minimum Education Qualification:
• Bachelor’s degree in a relevant discipline
• Related experience or education in accounting/finance will be added advantage.
Work Experience:
Minimum of 3 years banking experience with not less than 2 years in core credit operations in banking industry.

Key Required Competencies (Knowledge, Skills & Abilities):
• Demonstrate a proven ability to analyse credit proposals.
• Understanding of business trends
• Understanding credit risk management trends in the financial services industry
• Ability to understand and analyse financial & cash-flow statements and make useful deductions for decision-making