Credit Analyst, SME at Gulf African Bank

Job Purpose:

• To prepare independent analysis of SME credit reviews and submit summary of analysis for credit review.
• To support the SME segment asset book growth within acceptable PAR tolerance levels to ensure the product remains profitable.

Key Responsibilities

• Check completeness of documents submitted by the Relationship Managers or Branch Managers.
• Inform the Branch/Relationship manager of any document missing (according to the checklist).
• Regularly analyze the risk profile of the bank’s credit facilities portfolio by product, by sector.
• Assign risk grades for each portfolio type following the guidelines in the bank’s credit policy manual.
• Review inward cheques report and excesses daily reports to ensure that they are appropriately sanctioned and therefore safeguard the bank from financial loss from unauthorized extension of credit.
• Timely analysis of credit applications while ensuring that good quality of the financing assets is achieved.
• Preparation of various management Reports.
• Review of credit policy and updating it in line with changes in the financing environment.
• Review of new and existing products as per bank guidelines.
• Ensure compliance with both internal and external regulatory requirements.
• Review and ensure compliance of facilities approved conditions.
• Ensure compliance with Credit policies and procedures at all times.
• Ensure compliance with set SLAs at all times.

Skills, Experience and Competencies

• Bachelor’s degree in an Analytical/Business related field
• CPA or relevant professional qualification.
• 5 years banking experience in a lending function with at least 3 years in credit analysis.
• Experience or sound understanding of credit risk and the techniques of financial analysis
• Proficiency in use of relevant MS office applications

Competencies Required for this Role

• Knowledge of relevant lending products
• Strong credit analytical skills including business plan analysis, numerical and financial
• analysis and interpretation
• Key understanding of regulatory and legal environment

Personal attributes:

• Analytical and methodical skills
• Excellent Communication skills.
• Decision making skills
• Organizing skills
• Communication skills