Credit Analyst (3)
Job Purpose:
To analyse, recommend, approve, decline or return for review credit facility applications in order to mitigate the credit risk and comply with the credit product, bank credit policies and BNR regulations.
Main Responsibilities:
Evaluate and making decision on credit facility proposals within delegated lending limit (new, renewals, one offs, permanent, amendments, cancellations) received from Corporate and Retail business units in line with specific credit guidelines as set within existing BPR Credit policy/manual/product documents, BNR Prudential guidelines, understanding of market, industry, economic factors, financial statements and recommending those beyond DLA for consideration while ensuring compliance with set TAT, SLAs and quality standards.
Ensure compliance with bank credit policy, regulatory requirements and best practice in the appraisal process with a view to minimizing credit risk;
Provide advice/guidance on all aspects of credit including policy and procedures, as may be required by branches and other staff involved in risk management;
Handle effectively business units’ complaints on credit matters;
Make credit reports as may be required by the bank from time to time.
Attend to Audit requirements and provide a response to internal, group and regulatory audit remarks.
Verify and analyze credit information, documentation such as bank statements, financials, provided by Business Bankers, Mortgage Advisors, RMs/Customers, and seek clarification if needed from other sources, liaise with RMs/Branches for queries, additional information/documents and business recommendations for deviations, if needed.
Support the creation and update of new and existing credit processes, policy, manuals and product standards as relates to Corporate, SMES and Retail business.
Visit clients/centres/branches, independently or with RMs/Manager as part of the evaluation of credit proposals for better understanding of the client, business and market.
Support prudent growth in loan book through sound and efficient decision-making on Personal check off and non-check off loans, credit cards, salary advances, staff loans and personal mortgages.
Provide technical input in development of new or repackaged credit products.
Educational qualifications and work experience:
Bachelor’s degree in Bachelor of Business Admin.
Professional qualification /Credit certification
Two Years (2) minimum experience.
