Working closely with the Manager Credit Analysis, he /she will ensure compliance with internal credit policies & procedures and facilitate prudent management of credit risks while ensuring compliance with the CBK prudential guidelines.
He /she will also ensure that all Credit proposals from the branches are reviewed for credit risks in accordance with internal policies and procedures, CBK prudential guidelines and best practice. He/she shall safeguard the institution against loss by ensuring accuracy, completeness and credit worthiness of proposals, recommend appropriate risk mitigation mechanisms such as proper securities and their perfection, relevant sanction conditions and post disbursement follow ups.

Key Responsibilities

• Analyze the Credit requests against all the canons of lending (Character, Capacity, Conditions, Capital, and Collateral) as a basis for making approval/decline recommendations
• Prepare credit sanctions for new proposals and renewals and provide guidance on structuring of credits, due diligence, and KYC so as to ensure accuracy, completeness and neatness of the same for further approval by relevant Head Office Credit Committees
• Prepare offer letters based on 2 above and ensure accuracy, completeness and neatness of the same for further issuance to branch business teams
• Prepare draft board papers for facilities requiring approval by the Risk Management Committee of the board for further review by management at Credit Administration departments
• Ensure adherence to all bank’s prescribed processes, standard operating procedures, and Central Bank requirements
• Follow up with the branches to ensure fulfillment of ALL sanction conditions and other covenants prior disbursement of the facilities
• Provide technical advice or other assistance to relationship officers as needed
• Recommend policy reviews for customer service and risk management improvement based on experiences and industry trends
• Do any other duties that may be assigned by the Management.

Requirements

Education

• ​Bachelor’s degree in a business-related field

 Knowledge and Skills

• Knowledge in accountancy an added advantage
• Knowledge of lending business and products
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compl ance standards or benchmarks.
• Knowledge in accountancy an obvious advantage
• Sound knowledge of the Banking Act and the regulatory framework in the Financial Services Industry
• Able to identify and minimize potential and inherent risks in banking
• Communicates effectively and can explain complex Business issues

Experience

• 3 years’ experience in credit analysis in an MSME environment, debt collection and recovery.