Job Purpose Statement

To support the Head, Credit Analysis and Approvals in the day-to-day management of an assigned portfolio and provide credit analysis and underwriting of corporate credit applications, and support relationship managers in structuring transactions to align with the bank’s credit policy.

Key Accountabilities (Duties and Responsibilities)

Financial (40%)

• Underwrite and submit credit proposals in conformity with Credit Policy guidelines and requirements in liaison with the Relationship Managers
• Collect and analyze vital client data, such as annual reports, management accounts, interim reports, and press information, to gain in-depth knowledge that will support a comprehensive review of assigned account relationships.
• Compile and review account statistics and other relevant financial information on facilities during appraisal and ensure that the information provided is accurately completed and that the relevant remarks are incorporated in the credit proposal.
• Review all existing client facilities on time.
• Prepare requests for the New Business Committee (NBC) and prepare minutes during the meetings.
• Monitor covenants by maintaining an up-to-date covenants tracker, share breaches with stakeholders, enforce breach penalties, and prepare reports on breaches for key stakeholders to guide in decision making.

Internal Business processes (30%)

• Prepare excess requests/notifications for all excesses and follow up for sanctions by approving authorities.
• Monitor the performance of accounts daily to ensure operations within the approved limits.
• Provide an interface between the bank, existing, and prospective customers to maintain good customer relations, and to meet customer needs within the strategic objective of the bank.
• Make recommendations for existing and prospective customers under the various loan products and submit to the respective approval authorities within the agreed turnaround time.
• Attend expeditiously to queries / routine correspondence generally emanating from Clients, Credit Administration, Risk Control, branches, and customers.
• Accompany the RM on client visits and file call reports.
• Review of draft offer letters received from credit operations in line with approval terms and conditions.
• Review valuation reports submitted by Credit Operations and advise on any discrepancies and corrections that should be made.
• Participate in the review of the credit risk policy, product papers, and processes, and make recommendations on improving them.
• Support and upskill Retail Credit Analysts to enhance their skills in analysis.

Customer (20%)

• Build and maintain positive working relationships with all levels of staff to ensure effective problem and issue resolution.
• Develop a strong team skills culture.

Learning and growth (10%)

• Maintain professional and technical knowledge by attending and contributing to training programmes, educational workshops, reviewing professional publications, establishing personal networks, participating in professional structures & studies

Job Specifications

Academic Qualifications

• Any Degree from a recognized university
• Credit Management, Accounting, or Banking Qualification
• Professional qualifications in ACCA, CPA, CFA, etc., are an added advantage.
• Strong general banking expertise.

Work Experience

• Minimum 4 years of working experience in Banking as a Relationship Manager or Credit Analyst
• Working knowledge and effective application of all relevant banking policies, processes, procedures, and internal control guidelines to consistently achieve required compliance standards or benchmarks.
• Knowledge and experience of bank practices that provide the basis upon which credit decisions are made.

Job Dimensions

NCBA Bank Core Value Behaviours

• Coaching & Developing Others Advanced
• Building Trust Advanced
• Selling the Vision Advanced
• Driving for Results Advanced
• Openness Advanced
• Business Savy Advanced
• Building Organizational Talent Advanced
• Empowerment & Delegation Advanced
• Fostering Collaboration Advanced
• Responsiveness Advanced

Technical Competencies

Behavioral Competenies

• Underwrite and submit credit proposals in conformity with Credit Policy guidelines and requirements in liaison with the Relationship Managers
• Collect and analyze vital client data, such as annual reports, management accounts, interim reports, and press information, to gain in-depth knowledge that will support a comprehensive review of assigned account relationships.
• Compile and review account statistics and other relevant financial information on facilities during appraisal and ensure that the information provided is accurately completed and that the relevant remarks are incorporated in the credit proposal.
• Review all existing client facilities on time.
• Prepare requests for the New Business Committee (NBC) and prepare minutes during the meetings.
• Monitor covenants by maintaining an up-to-date covenants tracker, share breaches with stakeholders, enforce breach penalties, and prepare reports on breaches for key stakeholders to guide in decision making.
• Prepare excess requests/notifications for all excesses and follow up for sanctions by approving authorities.
• Monitor the performance of accounts daily to ensure operations within the approved limits.
• Provide an interface between the bank, existing, and prospective customers to maintain good customer relations, and to meet customer needs within the strategic objective of the bank.
• Make recommendations for existing and prospective customers under the various loan products and submit to the respective approval authorities within the agreed turnaround time.
• Attend expeditiously to queries / routine correspondence generally emanating from Clients, Credit Administration, Risk Control, branches, and customers.
• Accompany the RM on client visits and file call reports.
• Review of draft offer letters received from credit operations in line with approval terms and conditions.
• Review valuation reports submitted by Credit Operations and advise on any discrepancies and corrections that should be made.
• Participate in the review of the credit risk policy, product papers, and processes, and make recommendations on improving them.
• Support and upskill Retail Credit Analysts to enhance their skills in analysis.
• Build and maintain positive working relationships with all levels of staff to ensure effective problem and issue resolution.
• Develop a strong team skills culture.
• Maintain professional and technical knowledge by attending and contributing to training programmes, educational workshops, reviewing professional publications, establishing personal networks, participating in professional structures & studies

• Credit Analysis
• Underwriting
• Financial Analysis
• Relationship Management
• Credit Policy Adherence
• Communication
• Problem Solving
• Teamwork
• Professional Development

• Any Degree from a recognized university
• Credit Management, Accounting, or Banking Qualification
• Professional qualifications in ACCA, CPA, CFA, etc., are an added advantage.
• Strong general banking expertise.
• Minimum 4 years of working experience in Banking as a Relationship Manager or Credit Analyst
• Working knowledge and effective application of all relevant banking policies, processes, procedures, and internal control guidelines to consistently achieve required compliance standards or benchmarks.
• Knowledge and experience of bank practices that provide the basis upon which credit decisions are made.