JOB PURPOSE: Reporting to the Head Corporate Credit Origination, the role holder will be responsible for analyzing customer information and data and preparing quality credit proposals for new and existing clients in the CIB unit promptly while in line with stipulated guidelines. The role also follows up with relevant internal teams to ensure a seamless credit analysis process including approvals and provision of letters of offer to the business teams.

The role holder also provides coaching support to the business teams to ensure that client needs are properly addressed through proposed financing structures and covenant monitoring and offers suggestions for policy and process improvements in line with changing business needs to enable the bank to meet customer requests in an agile manner.

KEY ACCOUNTABILITIES:
• Prepare credit facility applications that meet dfcu bank credit approval requirements to grow the asset base (portfolio) and related bank revenues like interest income, commissions and fees.
• Provide credit structuring support (guidelines and valuable suggestions) to the business units to enable the bank to meet client needs promptly.

Consistent, periodic monitoring of credit exposures to minimize Non-Performing Assets (NPAs).
• Maintenance of credit files and ensuring that credit-related records are properly documented.

Perform industry studies and conduct financial analysis of sector customers using credit review skills and financial expertise to support productive sales performance credit scoring.

Evaluate and acquire a good understanding of the risk associated with individual transactions, products and borrowers.

Advise RMs on the quality of the portfolio by analysing the ratios of their customers, portfolio at risk, and accounts in arrears.
• Make client courtesy calls and visits to provide advisory services to achieve portfolio quality.
• Timely resolution of customer issues that require analysis of their accounts.

Review existing credit facilities on an annual basis and make necessary propositions like renewals, and restructures.
• Timely submission of required documents to credit and legal teams to have a fast turnaround time.

Compliance with internal controls as per credit approval criteria as detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries.
• Support the business teams to engage Credit Documentation for the issuance of Offer Letters to clients promptly.

KNOWLEDGE, SKILLS, AND EXPERIENCE REQUIRED:
• Bachelor’s degree in accounting, Finance, Business Administration, Statistics, or a related field.
• Additional training or professional qualification in Business and project appraisal, Risk management, and financial analysis will be an added advantage.
• Minimum of 4 years’ experience in financial services environment with at least 2 in Credit Risk Management environment.
• Credit certification.
• Understand company financial statements (i.e., P&L and Balance Sheet)
• Analytical and problem-solving skills.
• Awareness of business issues and current economic/market trends
• Computer knowledge especially working spreadsheets, power point and word processors.
• Results-oriented individual with independent and sound judgment.
• Good written, verbal and communication skills
• Self-driven and able to work efficiently under pressure.
• Results-oriented individual with independent and sound judgment.
• Good interpersonal skills, communication, and telephone skills
• Good written, verbal and communication skills.
• Organized and efficient i.e., goal and task-oriented to complete multiple priorities and with the dynamic demands of the different teams in relationship management, credit sanctioning, disbursement, legal etc.
• Ability to keep abreast of changes in the market, customer requirements and competitors’ responses.
• Ability to identify new business /products on the market, opportunities and threats to carry out a comprehensive credit analysis.