Credit Analyst at ABC Bank (African Banking Corporation Limited)

Reporting to the Branch Manager, Credit Analyst will be charged with the responsibility of developing business opportunities in in the bank by analyzing credit applications from the branch network and cross-selling other Bank products/services, at the same time working closely with the Relationship Managers/Officers to maintain a high degree of Customer focus and centricity.

The incumbent will perform the amongst others the below responsibilities;

• Analyzing credit applications received from Relationship Managers and Officers.
• Making appropriate recommendations and presenting them to Credit Committee
• Giving prompt feedback to branches on the fate of their credit applications
• Maintaining credit files & records
• Preparing regular periodic reports
• Keeping track of the Business growth
• Preparation of Monthly reports.
• Regular monitoring of overdue accounts and reporting on action taken to recover overdue amounts during weekly departmental meetings
• Maintaining and evaluating quality of Loans to ensure compliance with lending guidelines
• Ensuring relevant lending covenants are incorporated in the respective approval memos
• Advising Relationship Managers/Officers on all non-performing accounts to Remedial

Minimum Qualifications, Knowledge Experience & Key Competencies

The incumbents will be required to possess the following attributes/skills: -

• Business related Degree.
• Previous experience in credit environment and analysis minimum of 3 years
• Required skills credit, Financial, Presentation & Report writing
• A good knowledge of the Banking Act
• A good knowledge of the Bank credit policies and lending guidelines
• A general awareness of the current business trends