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The Credit Analyst will be responsible to monitor the corporate accounts and prepare robust credit papers/reports in line with the bank’s credit policy. They will also be accountable to review the creditworthiness of the businesses and identify any risks involved.

Key Responsibilities:

• Prepare high quality and consistent credit reports and make recommendations.
• Develop practical and appropriate professional credit solutions through understanding the customer needs while ensuring the highest standards of credit quality through structured monitoring and control.
• Work in close collaboration with Relationship Managers with regards to the credit management of their portfolio for corporate customers.
• Exercise sound judgement in the evaluation of credit applications.
• Participate actively in Credit Committees.
• Assist Relationship Managers by providing support to portfolio management of corporate clients and daily maintenance of accounts/customer liaison.
• Ensure adherence to governance, compliance and lending portfolio controls.
• Exercise control over the industry/accounts assigned and raise triggers for both internal and external factors affecting the assets.
• Review accounts quarterly and monthly with Credit Monitoring Forum.
• Monitor existing assets of corporates and provide Early Warning Signals (EWS).
• Work on inputs from risk and business about the client.

Prerequisites:

• Degree in Banking and Finance/Accounting or an alternative qualification from a recognized institution in a field of study relevant to the scope of work, acceptable to the bank
• Minimum of 5 years working experience in the Banking or Finance sector, in a similar position.
• Sound knowledge of regulations within the financial sector is a must.
  
  

Skills:

• A detailed understanding of Regulatory guidelines, credit risk policies and be well versed with banking regulations, guidelines, policies and procedures.
• Strong at delivering high level of customer satisfaction, able to aptly apply sound judgments to varying issues, highly attentive to details and able to meet tight deadlines.
• A broad understanding of policies and strategies within the country as they relate to the demands of the customer base.
• Strong computer proficiency with Microsoft Office.
• Excellent oral and written communication skills, ability to convey information effectively and convincingly at all levels.
• Ability to drive business and deliver strong results.
• Excellent working knowledge of MS Word & Excel tools.
• Strong credit, accounting, analytical skills and report writing skills.
• Able to work under pressure.
• High levels of integrity and confidentiality.