Job Title: Manager, Credit Analysis
Reporting to: Chief Business Officer
Job Summary
To carry out detailed analysis, review and formulation of credit proposals/packages originating from the Corporate Business Segment in accordance with the credit policy and guidelines for presentation to Management Credit Committee for approval.

Major Duties and Responsibilities
• Supervise credit analysts and Sales & Service Officers to ensure reviews are done on time and adequate support is provided to the team.
• Improve the quality of credit analysis by providing on the job training to both the Credit analysts and Relationship managers.
• Evaluation analysis of corporate proposals in line with the credit policy.
• Review all credit proposals submitted by the Corporate Business Segment for accuracy and compliance with the credit policy before presentation to the relevant approval committee.
• Proactively drive the review process to ensure consistent, thorough and timely evaluation of existing credit facilities in accordance with the credit policy.
• Interface with the Corporate Relationship Managers to obtain appropriate information to evaluate risk from a credit perspective in line with guiding credit policies.
• Evaluation and assessment of Credit Risk and associated risk for corporate accounts and large accounts in line with credit policy.
• Vetting credit applications and making recommendations for approval or rejection in line with the Credit policy and borrowing limits.
• Suggest and recommend terms and conditions for the credit recommended.
• Liaise with Corporate for advances appraisal, reviews, excess reports, site visits, financials and other analysis related information to support the credit applications.

Minimum Education Qualification
• Minimum of Bachelor’s degree in business related subject or its equivalent.
• Professional banking, Insurance and Accounting qualification will give an added advantage.

Work Experience
Minimum of 4 years banking experience with not less than 3years in core credit operations in banking industry

Key Required Skills
• Demonstrate a proven ability to analyze credit proposals
• Understanding of business trends & credit risk management trends in the financial services industry
• Ability to understand and analyze financial & cash-flow statements and make useful deductions for decision-making
• Good coordination skills, strong interpersonal and communication skills
• Strong organizational and people management skills