Relationship Analyst at I&M Bank

JOB SUMMARY:

The incumbent will be responsible for analyzing information and data on customers and preparing quality credit proposals for new and existing business.

KEY RESPONSIBILITIES:

The role will report to the Relationship Manager (RM) and will be responsible for:
Analyzing and preparing high quality credit appraisals/applications for new and existing customers within required timelines for review by the Relationship Manager. This involves:-

• Researching on the customer (KYC) either based on existing information or in the case of a new customer, performing research.
• Understanding the facilities requested.
• Working out the required securities to be provided.
• Analysing the customer’s financials.
• Giving an overall risk rating based on overall analysis.
• Giving justification for the facilities.
• Making amendments based on feedback received from Relationship Manager in accordance with the Bank’s principles on lending, and CBK guidelines.
• Preparing & submitting Credit Appraisal’s to Credit Department.
• Resolving follow-up queries and proposed amendments to Credit Appraisals.
• Reaching out directly for additional information required for Credit Appraisal preparation.
• Conducting on-going research and analysis to enable the Relationship Managers fully understand the business context and assist in identifying future business opportunities. Interpreting research findings & analytics and making recommendations regarding potential opportunities.
• Preparation of Account Plans that will assist in identifying various business opportunities in close partnership with RM’s
• Compiling & analyzing information regarding sales activities and business pipeline
• Interacting and liaising with clients with the intention of providing or requesting for information to assist in deal execution and/ or gathering critical information for the Bank.
• Preparing letters requesting review information and following up for receipt of the required information in liaison with the RM’s as well as maintaining a diary of due dates for review to ensure facilities are reviewed on schedule
• Reviewing and dispatching of letter of Offer (LOO); follow-up with client to ensure LOO is signed.
• Assisting RM in follow-up with credit administration for timely disbursement of funds to client
• Supporting RM in pre-client meeting preparation; attending meetings and building client rapport; gathering relevant information to generate call report; preparing call report
• Supporting RM’s in Excess Management, Compliance/Audit related issues and generally ensuring an efficient credit process
• Supporting RM’s in resolution of client queries in liaison with other Departments and assisting in ensuring continued client satisfaction.

QUALIFICATIONS AND COMPETENCIES

• Bachelor’s degree in a Business related field from a recognized institution.
• CPA (K) / ACCA or its equivalent;
• Member of Institute of Certified Public Accountants (ICPAK) or its equivalent professional body.
• At least 1 year relevant experience
• Ability to write letters, reports and/or perform routine calculations
• Knowledgeable in financial analysis;
• Good communication and interpersonal skills.
• Excellent credit risk assessment skills.