Job details

Job title:
Credit Analyst

Name:

Job Reference indicator:

Organization Function:
Credit Office

Job grade:

Organizational Level:

Location:
Head Office

Reporting relationships

• Functionally reports into: Chief Credit Officer
• Administratively reports to: Chief Credit Officer
• Supervises: Nil

Job objective(s)

• Review all credit requests and ensure compliance with standard regulations before disbursement.

Duties and responsibilities

• Review and appraise all credit requests.
• Generate monthly statutory reports on credit reviews.
• Ensure compliance with all credit approval processes and procedures.
• Review deal memos and product programs with the view of optimizing credit facilities and products.
• Confirm risk ratings of all customers and advice business offices on appropriate steps to take.
• Carry out all assigned tasks by the Chief Credit Officer.

Key performance indicators

• Minimum turnaround time for credit processing.
• Adherence to the bank’s policies and processes.
• Value addition to credit requests.
• High internal and external customer satisfaction index.
• Compliance with internal and external policies and regulations.

Minimum education qualifications

• Minimum of Bachelors Degree.
• Relevant Professional Qualifications compulsory.

Previous work experience requirements

• Minimum of 2–5 years banking experience.

Key competency list

Knowledge

• Good knowledge of financial accounting.
• Good understanding of  Financial statements.
• Good knowledge of credit analysis and risk assessment.
• Good knowledge of internal and external policies and procedures.
• Regulatory Laws.

Skills/competencies

• Good analytical skills.
• Excellent writing skills.
• Good presentation skills.
• High information/data gathering ability.
• Strong attention to details and ability to work under pressure.
• Supervisory skills.

Employee confirmation

I, ______________________________________________________ have read and understood my  job descriptions, and I hereby promise to deliver accordingly.

Name: __________________

Signature: ________________

Date: ____________

Supervisor

Name: __________________

Signature: ________________

Date: ____________

Applications must be channeled through [email protected]. 

Subject title must be Application for (name of the role).

Please attach your:

• Cover letter
• CV
• All Academic Certificates