Assistant Manager - Credit Analyst, Retail Credit at I&M Bank

Roles & Responsibilities
PURPOSE:

•  To ensure and maintain a high-quality Retail Loan book by appraising and approval of Retail Clients’ applications in line with the bank’s policies, making recommendations to the approving authorities for timely decisions. 

PRIMARY RESPONSIBILITIES:

• Reviewing, analyzing, and vetting credit proposals and making recommendations to the approving authorities 
• Ensure requisite documentation and checks are done prior to processing of the applications
• Ensure all applications are processed within benchmarked turnaround times
• Approvals within delegated authority
• Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio
• Identifying areas of weakness and risks in credit process and escalation these to team leader
• Any other duties assigned from time to time

QUALIFICATIONS AND COMPETENCIES REQUIREMENTS:

Academic Qualifications

• Bachelor’s degree in Business or a related field from a recognized Institution.
• Professional Banking or Accountancy qualifications will be an added advantage

Experience and Core Competencies

• At least 5 years 2 of which should be in Retail Credit
• Excellent knowledge of all Retail Banking products 
• Excellent communication and interpersonal skills
• Advanced financial risk analysis skills
• Credit risk management skills
• Excellent problem solving and decision-making skills