SME Credit Analyst

Job Summary

To perform and manage all activities in a way that strict adherence to approved Credit and Provisioning Policy as well as the approved standard credit processes and procedures are maintained:

• A credit profession acting as credit expert to the relationship team and the conduit to the credit risk function for sanctioning purpose
• Responsible for developing practical and appropriate credit solutions(i.e Lending structures through understanding of customer's needs)
• Delivering high quality and consistent credit applications/recommendations.
• Monitor and control all SME accounts portfolio.
• Maintain data integrity in the Credit Lens and ensuring financial information are updated on regular basis

Key Accountabilities

Accountability: Analysis, evaluation, and recommendation of credit applications.​ - 50%

Outputs to deliver this accountability:

• Preparation of credit applications for recommendations to the sanctioners.
• Ensures that all credit applications are assessed within the agreed SLA time.
• Ensuring that his/her assessment and recommendations of credit applications comply with requirements as per approved credit and provisioning policy.
• Work in partnership with RMs on new and existing credit applications, providing guidance on credit appetite and consulting with Credit Team as appropriate
• Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved.

Accountability: Filing information into customer information credit monitoring files without fail. -15%

Outputs to deliver this accountability

• Ensure that all registers are marked appropriately and kept up to date.
• Ensure that all appropriate records are filed in an acceptable way. Files are appropriately stored.

Accountability: Monitoring performance of clients’ accounts and where necessary propose remedial measures.​ -35%

Outputs to deliver this accountability:

• Monitor and Control quality of portfolio using Condition of sanction triggers where possible. Discussing with sanctioners deteriorating trends and trigger events if they give cause of concern advising the Relationship Manager simultaneously
• Ensures that appropriate excesses are diarized, and new excess returns filed accordingly.
• Check on daily risk reports and work on exceptions and/or irregular behavior.
• Provide specific instructions to RM and escalate any issue that will need other stakeholders’ attention.
• Ensure all facilities are timely reviewed.

Perform other duties as reasonably assigned.

Education and Experience Required:

Essential

• B-degree/Advance Diploma/Diploma or Equivalent qualification in Finance, Accounting, Economics, Business Admiration or any other related field
• Outstanding knowledge of Business and Commercial banking products and services
• At least 3 years of proven experience in Credit Analyst role at junior management level gained within the bank or at other financial institutions
• Excellent understanding of credit and associated risks
• Experienced user of Credit Lens or similar system to analyze, monitor and report on the credit applications
• Good skills that have been proven in a Business or credit environment at Management level.
• People Management.

Preferred

• The ACIB professional qualification or equivalent
• Accreditation in the use of Credit Lens would be an added advantage

Knowledge & Skills:

• Internal instruction/procedures including Head office instructions, Credit lens
• Products and services frequently used by customers
• Knowledge of Credit Lens
• Detailed knowledge of credit techniques

Bachelor's Degree - Business, Commerce and Management Studies, Credit Risk (Meets some of the requirements and would need further development), Digital familiarity (Meets some of the requirements and would need further development), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Reasoning (Meets all of the requirements)