Qualifications, Skills & Attributes

The successful jobholder will be required to possess the following qualifications: –

• A university degree in a Business-Related field from a recognized university with at least 8 years banking experience in a credit related function.
  
• A thorough knowledge of the Banking Act, the Bank’s credit policy, Prudential guidelines, Environmental and Social Risk Management and lending guidelines with good understanding of related products and services Plus Credit & Financial analytical skills.
  
• Ability to identify, analyze, condense and articulate complicated ideas and findings briefly and clearly.
  
• A good knowledge of business trends and the business environment.
  
• A general awareness of the Bank’s vision and focus especially in relation to Business Development & management of risks
  

• Analysis of Corporate and Co-operatives credit proposals from business units and make credit decisions within the agreed SLAs .
  
• Recommend appropriate credit decisions to Credit approvers for final decision.
  
• Escalate unusual issues or issues raising concern to the Head – Corporate Credit Risk Analysis Department.
  
• Keep up to date records of all cases received, analyzed and decisions by prompt update of tracker.
  
• Advise Credit Administration Department/ business unit of decisions same day.
  
• Keep abreast with economic, industry and business trends to facilitate quality analysis of credit applications.
  
• Document issues identified as causes of weak appraisals from business units – both policy and procedure.
  
• Train business units credit staff on credit analysis procedures
  
• Ensure all lending proposals are within the bank’s credit policy & lending guidelines and escalate any exceptions
  
• Ensure any policy breaches are properly authorized at the correct level.
  
• Highlight to Head – Corporate Credit Analysis Department any necessary changes to the Bank’s credit policy and procedures.
  
• Provide timely and clear responses to the various business units as per the agreed SLAs.
  
• Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.
  
• Ensure that all risk management requirements within your limit are addressed and where necessary escalated through the available defined channels.