Credit Analyst - SME at Gulf African Bank

Reports To: HOD -SME

Job Purpose

• The role of SME Analyst is to assist Relationship Managers SME’s, to manage a highquality portfolio of SME clients in a manner that complies with the Bank’s policies (both Shariah and other).
• Preparation of credit proposal Receive all the information and documentation required for a proposal from the Senior RMs and RMs to analyze the proposal, follow up with clients on outstanding items 
• Assist Senior Relationship Managers and Relationship
• Managers review/confirm the submitted information and documentation through site visits and subsequent follow-up meetings/conversations—for adequacy, completeness, and compliance with all Bank requirements.
• Prepare a draft of the credit proposal for review by Sector  RMs and SRMCommodities and General Trade
• Finalize the credit proposal by incorporating comments from  Sector RMs and SRMCommodities and General Trade Credit decision
• Assist  Sector Relationship Managers and Senior Relationship Manager-SME Hub gather further information required to respond to questions from the Credit Committee
• Ensure fulfillment of all conditions precedent to facility disbursement, and ensure that all the relevant documentation is in place Portfolio management and collection
• Conduct consistent monitoring to prevent defaults on client’s payment, alterations in the client’s business, and to be aware of forthcoming client’s financial needs
• In the event of non-payment of a facility installment, ensure that the Sector RM or Senior RM-SME Hub contacts the client immediately (meeting him/her in person if required), and, if not resolved, assist them in subsequent actions to recover credit in arrears according Bank procedures.
• Monitor accounts in arrears and overdrawn accounts, work with the SRM, RM and relevant Bank staff to reduce the portfolio at risk and work with the Collections Unit to develop and implement recovery processes Monitor maturing deals and FMAs and advise senior RM/RM to obtain instructions or payments from the customer
• Operations/Compliance
• The SME Analyst would:
• Ensure that credit files are complete and up to date, with the required back up

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