Credit Analyst Specialist

Under the supervision of the Head SME Banking the following are among the Job Key Responsibilities:

· Analyze SME customers’ risk using credit skills, ratio analysis, cash flow projections using bank’s provided platforms, evaluation of company policies, credit grading and judgment of management and strategy

· Jointly structure facilities with Relationship Managers to meet individual client’s needs with a view to maximizing earnings and minimizing risk and bad debts

· To understand customer needs and inherent credit risk and act upon them

· Carry out research work and analyze market information so as to counter competitive pressures

· To ensure that all credit conforms to internal Credit Policy and regulatory guidelines

· Monitoring of credit quality and risk with the Relationship Manager by highlighting early warning signs of credit deterioration.

· Obtaining and analysis of financial statements and raising appropriate concerns

· Recommending minimum pricing ranges/ risk margins using exiting tools

· Regular review of credit worthiness of clients using credit scoring techniques and other monitoring tools that may be available from time to time

· Audit preparedness at all times and Prompt co-operation with regulators and internal auditors where we have been inspected by regulators/internal audit

· Any other responsibilities or tasks as assigned by management.

INTERNAL/EXTERNAL CONTACT

· Existing / prospective customers

· Internal stakeholders

· Officials of regulatory bodies e.g. BOZ– for compliance and market information.

QUALIFICATIONS/EXPERIENCE

· Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects.

• University degree in a Business-related Field or professional qualification from a recognized university.
• Diploma in Banking and Finance as added advantage

· Minimum of six (6) years in a related role particularly in a corporate credit

· Expertise in credit structuring, evaluating risk, financial analysis and industry analysis.

· An in-depth knowledge of advanced lending techniques, products, trade finance, cash management or Investment instruments.

· Demonstrated selling, negotiation and communication skills.

· Demonstrates Sound knowledge of business conditions, banking and commercial laws and regulations.

JOB CORE COMPETENCIES

• Results Driven
• Communicating with Impact
• Working in teams
• Building Relationships
• Being Pro – Active
• Resilience

· Analytical thinking

· Team work

· Customer service orientation

· Conceptual thinking

· Negotiation Skills