Credit Analyst

The purpose is to Drive aggressively the Branch Business Growth and Profitability by Identifying, Developing, and maintaining relationships with customers, Agents, and other Bank Channels.

• Minimum of Bachelor’s degree in business related subject or its equivalent.
  

• Minimum of 3 - 8 years banking experience with not less than 1 year in core credit operations in banking industry.
  

Required Competencies (Knowledge, Skills & Abilities):

• Demonstrate a proven ability to analyse credit proposals.
  
• Understanding of business trends
  
• Understanding credit risk management trends in the financial services industry
  
• Ability to understand and analyse financial & cash-flow statements and make useful deductions for decision-making
  

• To ensure reviews of facilities are done timely.
  
• To ensure submission of quality Credit Application Memos (CAMs) which are in line with the Bank’s Credit Policy.
  
• Evaluation and analysis of Retail proposals in line with the Bank’s Credit Policy.
  
• Review Retail business applications as submitted by the Retail sales team for accuracy and compliance with the credit policy before presentation of the application to the relevant approval committees.
  
• 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 workplace banking team to obtain appropriate information to evaluate risk from a credit perspective in line with guiding credit policies.
  
• Monitor the Retail Business Segment portfolio to ensure compliance with approved terms and conditions.
  
• Evaluation and assessment of Credit Risk and associated risk for personal accounts in line with credit policy.
  
• Suggest and recommend terms and conditions for the credit recommended.
  
• Liaise with the workplace banking team for reviews, excess reports, site visits, company financials and other analysis related information to support the credit applications.
  
• Keep an account of credits approved and credits declined for lessons learnt.
  
• Ensure that all credit facilities within your portfolio are monitored throughout the post disbursement phase.
  
• Ensure that all credit facilities within your portfolio comply with the Credit Policy and other applicable laws and regulations in a bid to avoid operational losses.
  
• Ensure that all facilities within your portfolio that are under the watch category are managed in liaison with the respective Branch Managers.