Career Opportunity
\nCredit Origination Analyst
\nApplications are invited from qualified, experienced, and skilled candidates to fill the position of Credit Origination Analyst. The Credit Origination Analyst will assess credit applications and make recommendations to higher sanctioning authority as may be appropriate.
\nRoles and Responsibilities<\/p>\n
Assessing credit applications from Corporate Banking and making recommendations to either sanction, restructure, or decline.
\nScrutiny of customer Credit requests submitted by Relationship Manager and initiation of credit requests that meet set risk acceptance criteria and target market definition in line with the Credit Policy guide.
\nAppraisal and preparation of credit proposals including analysis of financial statements, and ensuring comprehensive identification, assessments, mitigation, and management of Risks in all proposals.
\nMaintain TAT on cases (Date of receipt to submission to Credit).
\nRestructuring credit applications to provide quality credit solutions aimed at meeting customers\u2019 business needs whilst safeguarding the Bank\u2019s risk profile.
\nPreparing written recommendations to the appropriate sanctioning point.
\nUndertaking formal Risk Management visits with Relationship teams and ensuring adherence to sound lending principles and laid down Credit Risk Policy procedures.
\nEnsuring active follow up of risk issues identified during visits to ensure appropriate action is undertaken.
\nHandling customer enquiries on matters related to credit facilities\/products.
\nEnsuring internal\/regulatory requirements are not breached and inform the Line Manager of any deviations or potential breaches for timely remedial action or waiver applications when conducting assessments.
\nMonitoring of expiring limit using a tracking mechanism for renewal commencement at 90 days until expiry date.
\nEnsure that collateral site visitations are conducted, and reports disseminated for all customers at renewal and\/or new application of facilities in line with the banks approved format.
\nUse standardized credit assessments format and achieve high quality assessments (Structure, insight, risk identification, risk mitigation and recommendations). CRB report and credit scoring to be part of the assessment.<\/p>\n
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\nExperience, Qualifications and Skills
\n\u00a0<\/p>\n
Bachelor\u2019s degree with at least three (03) years\u2019 experience or Diploma in Banking and Finance or related fields with at least five (05) years\u2019 experience in the Banking Industry.
\nMust have a clear understanding of current Banking Rules and Regulations.
\nIn-depth understanding of Credit policies and frameworks.
\nDetailed knowledge of the Banking and Financial Services Act and other regulations governing commercial bank lending activities.<\/p>\n
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