Credit Analyst

Responsibilities

• Analyze and process retail credit requests for the market facing business units to facilitate prompt decisions
• Identify high risk retail credits transactions and quickly step them down if they cannot be mitigated.
• Work with other departments to ensure completeness of documentation to safeguard the Bank’s position.
• Analyze and review retail problem loans and extract learning points for future corrective measures.
• Manage and assist market facing business units in retail credit structuring transaction and also provide advice and interpretations on credit policy.
• Manage the conveyance of all retail credit decisions to the business units to ensure proper information dissemination and swift response.
• Participate in various retail credit process transformation projects, credit product development and credit policy formulation to ensure alignment with Bank’s objectives and goals

Requirements:

• Minimum of First Degree in a numerate or business related discipline
• Relevant professional certifications such as Chartered Financial Analyst (CFA), Professional Risk Manager (PRM), Financial Risk Manager (FRM) etc. and/or a second degree are added advantages.

Competency:

• Knowledge of financial, accounting and auditing processes.
• Knowledge of managerial accounting
• Knowledge of banking regulatory guidelines.
• Knowledge of the banking industry.
• Knowledge of a Mortgage Bank’s structure, operations, policies and procedures.
• Knowledge of Risk management.