JOB PURPOSE

To provide credit risk analysis and preparation of credit proposals for approval within required quality and turn around standards. In liaison with the Relationship Managers and Branch Managers, monitor ongoing covenants and conditions as per approval / offer terms including Environmental, Climate-Related and Social risk lending terms.

KEY RESPONSIBILITIES

• Work with relationship managers and branch managers during customer visits and information gathering stage to facilitate timely and high-quality credit analysis and facility/loan structuring
• Support Relationship Managers and Branch Managers in monitoring ongoing lending covenants and conditions
• Coordinate the early alert process of identification and monitoring of accounts showing early signs of deterioration in liaison with relationship managers and early collections teams
• Compliance with the Bank’s credit policy, social and environmental risk policy and CBK prudential guidelines.

MAIN DUTIES

CREDIT ANALYSIS

• Accompany relationship managers during customer visits on need basis to understand customer borrowing needs, their businesses and validating information provided.
• ensure credit applications received meet minimum criteria and relevant documentation required to aid in decision making.
• Analyze and structure SME, Corporate and Trade Finance facility requests and retail banking BCC applications and prepare credit applications for approval.
• Credit grading of borrowers to ensure the Bank monitors migration of the risk profile of the credit portfolio
• Ensure all deals presented for approval comply with product requirements/criteria, the bank’s lending policy, prudential and legal requirements and risks are highlighted and mitigated appropriately.
• Ensure processing of credit applications is done within agreed TAT / SLA and meet high quality standards.
• Develop & maintain god working relations with all RMs/BMs/ROs & continuously including guiding them of credit analysis and structuring of applications.

COVENANT MONITORING

• Track lending covenants / conditions to ensure timely collection of management accounts, ageing debtors and creditors, stock reports as applicable.
• Review account performance and facilitate annual reviews.
• Escalate breach of lending terms to management for attention.

EARLY ALERT MANAGEMENT

• Identification and reporting of accounts showing early signs of deterioration
• Escalation of significant early signs of deterioration in borrower’s business / industry and account performance to business and credit management for attention
• Continuously scan the external market environment for risk trends that may impact the loan portfolio and assessing the potential impact on borrowing customers

ENVIRONMENTAL, CLIMATE-RELATED AND SOCIAL RISK MANAGEMENT

• Ensure adherence to the Bank’s Environmental, Climate-Related and Social risk policy and procedures in the credit cycle.

DECISION MAKING AUTHORITY

• Recommend changes in facility structures in the best interest of the clients and the bank.
• Decline facilities that are outside of the banks Risk Acceptance Criteria and set lending standards.
• Taking corrective actions to protect the Bank’s interest where potential signs of deterioration are evident in a borrower’s business and account performance.
• Review pricing of facilities based on the bank risk-based pricing model to ensure returns to the Bank above the minimum return and risk return requirements.

REQUIREMENTS 

ACADEMIC BACKGROUND: University degree preferably in Accounting, Finance or Management

WORK EXPERIENCE : Five years banking experience with at least 3 years in credit risk analysis / approval

SKILLS & COMPETENCIES

• Proven experience iN Credit Risk Analysis and Facility Structuring
• Problem-solving attitude
• Excellent analytical skills
• Teamwork and leadership skills
• Good understanding of the Banks credit risk policies and procedures

PROFESSIONAL CERTIFICATION

• ACIB/AKIB/CPA/CCP (or equivalent) strong advantage