KEY RESPONSIBILITIES
- Quality of market intelligence information to support credit analysis.
- Quality of credit reports for credit committee reviews
- Adequacy of personal competence to effectively perform Credit analysis tasks.
- Quality of credit portfolio information and credit portfolio maintenance
- Minimization of exposures to and impact of risks associated with KYC and AML.
- Consistency in adherence to and application of established policies, processes, procedures and tools to achieve optimal efficiency, compliance and cost containment.
COMPETENCE REQUIREMENTS
- Technical skills to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high quality standards or benchmarks.
- Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
- Knowledge of lending business and products.
- Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
- Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer-service oriented.
MAIN ACTIVITIES
- Review of credit requests including review of financial and credit information provided in respect to the corporate clients.
- With the support of the Relationship Manager, prepare credit applications commensurate with credit policy for both facility renewals and on-boarding of new facilities.
- Be conversant with the KYC requirements. Undertake actions to ensure compliance. Exercise due care and diligence in ensuring all AML and KYC requirements are complied with.
- Maintain financial information on loan accounts including financial covenants, spreads and interim reports.
- Monitor and ensure that there are no excesses that are not approved for both assets and liability customers.
- Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis a vis the bank’s credit portfolio.
- Proactive monitoring of the credit portfolio to ensure early detection of problem credits.
- Undertake annual review of security documentation for all corporate accounts.
- Responsible for delivering a service to customers that matches the Bank’s mission statement.
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QUALIFICATIONS AND EXPERIENCE REQUIREMENTS
- University Degree or Professional Qualification in a relevant discipline.
- Three years of experience with similar responsibilities.
- Practical experience in use of Microsoft Office Packages.
