Description:
\nJob Purpose
\nThen Senior Credit Analyst will perform credit evaluation and risk assessment on commercial and retail credit proposals and periodic reviews. Identify and assess credit risks and potential problems, and make recommendations for appropriate lending authority\u2019s consideration and approval. Ensure efficient turnaround of credit processing. Oversee the assessment of the creditworthiness of potential corporate customers and conduct periodic reviews of existing customers.
\nSummary of Key Responsibilities:<\/p>\n
Take the lead in creating credit scoring models and negotiate loan terms with new and potential clients
\nConducting a thorough and comprehensive credit assessment of counterparty\u2019s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department.
\nFormulating financial statements and preparing financial projections
\nManagement of internal and external audits and the resolution of audit findings.
\nTake ownership of audit action log, resolving outstanding findings. Audit facilitation and liaison between internal and external auditors.
\nResponsible to research, write and present financial & industry analysis impacting credit decisions and submit the documents for approval.
\nAnalysing and spreading the financial statements on credit lens.
\nOversight of collateral custody processes and control. Management of disbursements of credit facilities in line with sanction terms and policy, including fee collection oversight.
\nReview of all Central Bank Prudential returns.
\nSuggesting credit limitations to bank management
\nExamining and maintaining the credit history of customer companies
\nResponsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system.
\nWorking closely with Regional Analysts and Credit Officers in respective regions to evaluate risk and to monitor a client portfolio.
\nCompiling credit results and preparing reports for customers and bank loan committee
\nIdentify and request any missing or additional necessary information from either the Loan Officers\/ Portfolio Managers or directly with the Customer\/Prospect, per Loan Officer Instruction
\nAttend customer calls or participate in customer conference calls with prospective or existing customers as requested by the Loan Officer
\nCoach, mentor and review work of more junior credit analysts
\nManage credit analysis workflow and fill in with other duties as necessary in the Head of Risk and Credit\u2019s absence
\nRegularly updating Credit Policies and Frameworks to be in line with best practices as well as evolving business products and strategies.
\nCreating credit scoring models for risk assessments.
\nMastery, interpretation and application of the Banking and Financial Services Act, Statutory Instruments, Circulars and publications governing Credit Activities.
\nNegotiating the terms of the loan with new corporate clients.
\nLead through example and build the appropriate culture and values in respective team.
\nSet appropriate tone and expectations from their team and work in collaboration with stakeholder
\nAssist Senior management with other tasks and duties and assigned<\/p>\n
Required Skills and Competencies<\/p>\n
Excellent interpersonal and communication skills
\nGood people development skills
\nStrong leadership skills
\nExcellent analytical skills
\nExcellent presentation skills<\/p>\n
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\nPrimary Areas of Accountability:
\nQualifications and Experience<\/p>\n
Degree in Accounting, Finance, Banking, Business Management, or a similar field
\nA Masters in any of the above fields will be a plus
\nCertified Credit Professional (CCP) certification will be a plus
\nAt least a minimum of\u00a06+ years of solid experience in commercial credit and risk management functions as a Credit Manager or Senior Credit Analyst in the banking industry
\nProven experience in Risk & Credit Underwriting in a commercial bank\u00a0\u00a0
\nExcellent knowledge of\u00a0A-Z loan application procedures and best lending practices according to state laws and regulations.
\nMust be well-vested in Credit Origination and Control Management
\nExcellent knowledge of credit review processes
\nMust be a member of relevant professional body<\/p>\n
QUALIFIED & EXPERIENCED FEMALES ARE ENCOURAGED TO APPLY FOR THIS POSITION
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