CREDIT ANALYST (HEAD OFFICE)

SUMMARY

Carry out quality credit assessment, present bankable solutions and manage the credit risk of a portfolio of clients in the Agri-business value chain in the designated regional Office.

POSITION INFO

To manage and perform quality credit analysis; financial analysis, including data collection, trend analysis, peer comparisons and industry overview to ensure good quality credit submissions to Credit Managers and Credit Committees for the allocated portfolio i.e. Commercial and Transformation Credit applications and mitigate any potential risk on behalf of the company and recommend bankable solutions in accordance with approved Credit Policy, norms and the delegated level of power. Responsible for maintain the portfolio including conducting annual credit reviews on existing portfolio, and re-advancing of production loans and revolving loans within assigned DOP and as when required by management.

Key Performance Areas

1. Credit Assessment and Risk Management

• Analyse all the presented information and complete a sensitivity analysis in order to mitigate risks associated with the client portfolio
• Risk model validations, to ensure that data captured by AES & Business Analyst are accurate.
• Capture data on the back office pricing model and scoring the credit application for pricing purposes
• Conduct customer visits as required by CDB from time to time or as required by front line
• Prepare proposal for recommendation to CAC and CCC (for approval / decline) and consideration by the relevant Credit Committee in accordance to Bank’s Credit policy and agreed processes and procedures
• Presenting credit submission to the GM and committee as and when required
• Update Credit Manager & GM Commercial Credit with the weekly work in progress report to improve turnaround time
• Check the correctness of documents uploaded by Credit Administrator for committee meetings
• Assisting the Credit Manager Commercial Credit with management of Portfolio Region(s) and constantly keeping Portfolio Manager(s) and General Manager(s) at the Branch up to date with credit applications
• Advisory services to front line and providing training as necessary
• Assisting in improving the growth and decreasing the Non-Performing Loans by producing good quality loan assessments.
• Check the accuracy of the credit submission submitted by the Business Analyst
• Escalate any risk pertaining to credit applications to management

2. Stakeholder Relationship Management and Team Support

3. General Administration and Audit Matters

4. Loan Policies and Procedures

Preferred Minimum Education and Experience

Critical Competencies

Additional Requirements

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