Credit Risk Analyst- SME at Equity Bank Kenya

ROLES AND RESPONBILITIES:

• Complete a thorough, in-depth analysis of new credit requests by use of Finales, credit change requests, renewals and restructure and make recommendation for presentation to the Credit Committee
• Undertake Industry analysis--key economic characteristics, historical context, profit drivers, business risks
• Ensure all risk areas for customers/businesses are identified and duly mitigated during the appraisal process e.g., Default (Credit) Risk, Operational Risk, Market Risk, Regulatory Risk, Reputational Risk etc. in addition to PESTEL & SWOT Analysis.
• Deliver quality, detailed credit analysis while providing efficient, timely service to customers
• Achieve Turn-Around-Times (TATs) per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Credit Risk from branches.
• Maintain a good working knowledge of the Bank’s lending policies and procedures and identify exceptions to policy.
• Ensure that all credit files are complete, identify any documentation deficiencies, and report to Branch Head of Credit and Credit Admin as needed for timely resolution.
• Review of excess request due to inward cheques on a timely manner while mitigating on credit risk.
• Make recommendations for credit policy review (at product and/or process levels.
• Provide technical advice or other assistance to loan officers as needed.

COMPETENCIES:

• Must be able to understand financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) and the trends to determine business financial soundness and viability and apply those skills as they pertain to the loan underwriting process.
• Analyze client request in line with the industry benchmark and trends.
• A fair understanding of current issues including macro and micro economic environment.
• Must be organized, efficient, and able to work independently and be detail oriented in order to generate accurate reports.
• Attention to Detail is Key: Regard for all important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and meet strict deadlines.
•  Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.
• Able to adjust quickly to different work situations; remain composed under pressure and stressful situations.
•  Principled and self-confident.

EDUCATION AND SPECIAL REQUIREMENTS:

• Bachelor’s degree preferably in business, finance or accounting.
• At least 8 years of credit experience in lending. Branch Heads of credit experience will be key though Business Client Advisors with above 3 years in Business Banking lending are encouraged to apply.
• Must be a top performer- Average rating of 3.0

EDUCATION AND SPECIAL REQUIREMENTS:

1. Bachelor’s degree preferably in business, finance or accounting.
2. At least 3 years of credit experience in a similar role if coming from another institutions or in Branch.
3. Must be a top performer- Average rating of  3.0  if joining credit risk from the branch