Job Purpose

Then Senior Credit Analyst will perform credit evaluation and risk assessment on commercial and retail credit proposals and periodic reviews. Identify and assess credit risks and potential problems, and make recommendations for appropriate lending authority’s consideration and approval. Ensure efficient turnaround of credit processing. Oversee the assessment of the creditworthiness of potential corporate customers and conduct periodic reviews of existing customers.

Summary of Key Responsibilities:

• Take the lead in creating credit scoring models and negotiate loan terms with new and potential clients
• Conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department.
• Formulating financial statements and preparing financial projections
• Management of internal and external audits and the resolution of audit findings.
• Take ownership of audit action log, resolving outstanding findings. Audit facilitation and liaison between internal and external auditors.
• Responsible to research, write and present financial & industry analysis impacting credit decisions and submit the documents for approval.
• Analysing and spreading the financial statements on credit lens.
• Oversight of collateral custody processes and control. Management of disbursements of credit facilities in line with sanction terms and policy, including fee collection oversight.
• Review of all Central Bank Prudential returns.
• Suggesting credit limitations to bank management
• Examining and maintaining the credit history of customer companies
• Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system.
• Working closely with Regional Analysts and Credit Officers in respective regions to evaluate risk and to monitor a client portfolio.
• Compiling credit results and preparing reports for customers and bank loan committee
• Identify and request any missing or additional necessary information from either the Loan Officers/ Portfolio Managers or directly with the Customer/Prospect, per Loan Officer Instruction
• Attend customer calls or participate in customer conference calls with prospective or existing customers as requested by the Loan Officer
• Coach, mentor and review work of more junior credit analysts
• Manage credit analysis workflow and fill in with other duties as necessary in the Head of Risk and Credit’s absence
• Regularly updating Credit Policies and Frameworks to be in line with best practices as well as evolving business products and strategies.
• Creating credit scoring models for risk assessments.
• Mastery, interpretation and application of the Banking and Financial Services Act, Statutory Instruments, Circulars and publications governing Credit Activities.
• Negotiating the terms of the loan with new corporate clients.
• Lead through example and build the appropriate culture and values in respective team.
• Set appropriate tone and expectations from their team and work in collaboration with stakeholder
• Assist Senior management with other tasks and duties and assigned

Required Skills and Competencies

• Excellent interpersonal and communication skills
• Good people development skills
• Strong leadership skills
• Excellent analytical skills
• Excellent presentation skills

Primary Areas of Accountability:

Qualifications and Experience

• Degree in Accounting, Finance, Banking, Business Management, or a similar field
• A Masters in any of the above fields will be a plus
• Certified Credit Professional (CCP) certification will be a plus
• At least a minimum of 6+ years of solid experience in commercial credit and risk management functions as a Credit Manager or Senior Credit Analyst in the banking industry
• Proven experience in Risk & Credit Underwriting in a commercial bank
• Excellent knowledge of A-Z loan application procedures and best lending practices according to state laws and regulations.
• Must be well-vested in Credit Origination and Control Management
• Excellent knowledge of credit review processes
• Must be a member of relevant professional body

QUALIFIED & EXPERIENCED FEMALES ARE ENCOURAGED TO APPLY FOR THIS POSITION

• Take the lead in creating credit scoring models and negotiate loan terms with new and potential clients
• Conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department.
• Formulating financial statements and preparing financial projections
• Management of internal and external audits and the resolution of audit findings.
• Take ownership of audit action log, resolving outstanding findings. Audit facilitation and liaison between internal and external auditors.
• Responsible to research, write and present financial & industry analysis impacting credit decisions and submit the documents for approval.
• Analysing and spreading the financial statements on credit lens.
• Oversight of collateral custody processes and control. Management of disbursements of credit facilities in line with sanction terms and policy, including fee collection oversight.
• Review of all Central Bank Prudential returns.
• Suggesting credit limitations to bank management
• Examining and maintaining the credit history of customer companies
• Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system.
• Working closely with Regional Analysts and Credit Officers in respective regions to evaluate risk and to monitor a client portfolio.
• Compiling credit results and preparing reports for customers and bank loan committee
• Identify and request any missing or additional necessary information from either the Loan Officers/ Portfolio Managers or directly with the Customer/Prospect, per Loan Officer Instruction
• Attend customer calls or participate in customer conference calls with prospective or existing customers as requested by the Loan Officer
• Coach, mentor and review work of more junior credit analysts
• Manage credit analysis workflow and fill in with other duties as necessary in the Head of Risk and Credit’s absence
• Regularly updating Credit Policies and Frameworks to be in line with best practices as well as evolving business products and strategies.
• Creating credit scoring models for risk assessments.
• Mastery, interpretation and application of the Banking and Financial Services Act, Statutory Instruments, Circulars and publications governing Credit Activities.
• Negotiating the terms of the loan with new corporate clients.
• Lead through example and build the appropriate culture and values in respective team.
• Set appropriate tone and expectations from their team and work in collaboration with stakeholder
• Assist Senior management with other tasks and duties and assigned

• Excellent interpersonal and communication skills
• Good people development skills
• Strong leadership skills
• Excellent analytical skills
• Excellent presentation skills

• Degree in Accounting, Finance, Banking, Business Management, or a similar field
• A Masters in any of the above fields will be a plus
• Certified Credit Professional (CCP) certification will be a plus
• At least a minimum of 6+ years of solid experience in commercial credit and risk management functions as a Credit Manager or Senior Credit Analyst in the banking industry
• Proven experience in Risk & Credit Underwriting in a commercial bank
• Excellent knowledge of A-Z loan application procedures and best lending practices according to state laws and regulations.
• Must be well-vested in Credit Origination and Control Management
• Excellent knowledge of credit review processes
• Must be a member of relevant professional body