Credit Analysts

Credit Analysts Ref:CA/2013

We are poised for a rapid growth in the near term. To support this growth strategy we are looking for dynamic, focussed, motivated and result oriented individuals to fill the above positions in our Credit Department and the Business Assets Department.

The Job

Reporting to the Head of Credit/Head of Business Assets, the job holders will be responsible for analyzing, reviewing, monitoring as well as making recommendation to the Management on each credit proposal, in accordance with the CBK Risk Management Guidelines and the Bank’s Credit Policy.

Key Roles and Responsibilities:

•Review and make recommendations to the head of the department, relating to all new facilities, reviews, excesses requests, risk grading and pricing matrix for clients on credit proposals;
•Extensive analysis of financials of the borrowers in their Balance Sheet, Profit & Loss accounts, Cash Flow & Funds Flow statement, satisfactorily establishing their financial credentials;
•Ensure critical risk monitoring for loan Portfolio, highlighting specific action points for accounts in excess/over approved limits, and loans in arrears;
•Daily review of the overdraft referral list and loan arrears report and factoring the same in the analysis (for the existing customers);
•Prepare and check offer letters in line with the approval terms and conditions;
•Should be able to work with tight delivery schedules to ensure quick turnaround-time; and
•Lucid and error-free presentation, with minimum supervision, tying up all risk mitigants.

Knowledge and Skills requirements:

•Degree in Business / Finance; or Accounting qualifications;
•3 – 5 years experience in banking out of which 2- 3 years should be as a credit analyst;
•Strong analytical skills and ability to interpret the information in a precise and meaningful manner to help management in decision making;
•Good understanding and application of Banking regulations, guidelines, policies, processes and procedures;
•Keen on quick turnaround time and must have the ability to work within strict deadlines and with diverse teams;
•Attention to detail, high levels of accuracy and good report writing skills;
•Good in number crunching with analytical bent of mind;
•Good communication skills (both oral and written); and
•Results oriented individual.

How to apply

If you can demonstrate your ability to fill the above position, please submit your application along with your detailed CV stating your current position, remuneration, email, and telephone contacts.
Please quote reference number on the subject field and the position you are applying for.
Only applications that reach us on or before 15th November 2013 will be considered.

Please Apply Below