Credit Analyst at Guaranty Trust Bank Plc (GTB)

The Role

Reporting to the Head, Risk and Compliance, the Senior Risk & Compliance Ocer assists in overseeing and implementing the Bank’s Risk Management & Compliance framework

Key Responsibilities

• On-boarding good quality credit facilities to support business growth;
• Ensuring adherence to the Bank’s credit policy and the CBKprudential guidelines in lending;
• Responsible for timely, error & fraud freereview of customer facility requests;
• Ensuring adherence to the SLAs relatingto completion and progression of credit applications; Ensuring the correctsecurities are stated in all the credit applications and any gaps on securitiesare escalated to the Head, Credit Risk Management and the Head of Legal forcorrective measures.
• Effective organization and follow up on action points ofvarious Credit Risk Committee meetings;
• Ensuring the unit SOP is up to dateand relevant;
• Monitoring conditions of approval of facilities;
• Ensuring proper ‑ling and archiving of all documentation generated from processing transactions within the unit;
• Preparation of IFRS provision reports;Receive Credit proposals from Relationship O­cers/Managers and make recommendationsto the Head of Credit Risk Management;
• Ensure critical risk monitoring forcompliance with all statutory requirements and monitor the entire CorporatePortfolio, highlighting speci‑c action points for accounts in excess/overapproved limits, and loans in arrears;
• With the help of periodical diaries from the Credit Administration unit, monitor and control pre &post-approval ‑nancial and non-‑nancial covenants/conditions and compliance
• therein;
• Review/ Proof read draft Letters of Oer & Standard Securities,ensuring they incorporate all approval conditions/covenants and security documents as stated therein, before being ‑nal sign o;
• In conjunction with the Credit Administration unit, provide the relevant input information & co-ordinate the updating of the Bank’s Core Banking System for purposes ofcompiling periodic Corporate Credit Risk Management Reports as per CBK &the Bank’s Credit Risk policies/requirements;
• Review and propose risk ratinggrades and ensure the pricing mirrors the inherent risks in all corporateproposals;
• Preparation of the deals log and maintenance of a data base of allcredit approvals held;
• Filing of all credit approvals with the relevantsupporting documents;
• Preparation of letters of offer

Qualications & Experience

• A Bachelor’s degree in a business related field
• Professional accounting/nance accreditation e.g CFA, ACCA or CPA
• 3-5 years’ experience in a credit analysis role within a nancial institution

Competencies & Skills

• Ability to critically analyse nancial data
• Knowledge of banking operations, products, processes and regulations
• Excellent judgement and fact-based decision making abilities
• Ability to maintain composure under high pressure situations and deliver results in a timely manner
• Excellent written and verbal communication
• Strong interpersonal skills

Extremely thorough with high attention to detail