Position Function

Develop and analyze timely, fundable credit proposals with quality credit appraisal, structuring and due diligence so as to support building of a thriving and quality business portfolio.

Key Responsibilities

• In close coordination with Relationship Managers, develop sound and fundable credit proposals that meet credit committee approval requirements and support the growth of the Bank’s on / off Balance Sheet Business and other related revenue streams.
• Evaluate customer needs and propose suitable credit proposal structures for the various (prospective & existing) customers, and collaborate with Relationship Managers to complete quality origination and appraisal of prospective business with the aim of building a quality portfolio and minimizing non-performing assets.
• Make site visits and meet with principals of businesses being considered for credit in order to better understand their businesses, and confirm securities and other pledges where necessary.
• Assess customers for any extra needs and advise Relationship Managers on possible cross-selling and up-selling opportunities to expand wallet-share and develop clients to their full potential
• Ensuring that credit proposition processing and approval is fast and efficient, and is within the agreed Bank customer charter standards, while maintaining high quality work that is measured by the number of approvals against number of rejections/appeals monthly.
• Work with Relationship Managers on maintenance of updated client files, including client performance analysis and financial/commercial information as agreed.
• Receive and resolve customer queries and complaints, and provide sound business advice and quality service.
• Perform any other duties in relation to the role that may be assigned to you from time to time.

Academic & Professional Qualifications

• Education: Bachelor’s degree in Statistics, Finance, Accounting and other Business related degrees. Professional qualifications in Finance or related fields e.g. ACCA, CFA, CPA desirable.
• Experience: 2+ years of experience preferably in data analysis and or banking; Strong knowledge of bank products and processes.
• Technical Skills: Strong analytical and numerical analysis; Good grasp of Microsoft packages and other Bank operating systems like IGOR; Advanced computer literacy (especially Ms. Excel); Good Business acumen and passion for service.
• Soft Skills: Strong Interpersonal skills to create and maintain relevant business networks; Excellent verbal, written and communication skills and Presentation skills; Organization, personal effectiveness, and good follow-up skills; Ability to work in a fast paced and results oriented environment; Self-motivated and result oriented, and able to deliver within deadlines; Awareness of full range of banking products and services; Knowledge and effective application of relevant regulatory and banking policies, processes, procedures.

• In close coordination with Relationship Managers, develop sound and fundable credit proposals that meet credit committee approval requirements and support the growth of the Bank’s on / off Balance Sheet Business and other related revenue streams.
• Evaluate customer needs and propose suitable credit proposal structures for the various (prospective & existing) customers, and collaborate with Relationship Managers to complete quality origination and appraisal of prospective business with the aim of building a quality portfolio and minimizing non-performing assets.
• Make site visits and meet with principals of businesses being considered for credit in order to better understand their businesses, and confirm securities and other pledges where necessary.
• Assess customers for any extra needs and advise Relationship Managers on possible cross-selling and up-selling opportunities to expand wallet-share and develop clients to their full potential
• Ensuring that credit proposition processing and approval is fast and efficient, and is within the agreed Bank customer charter standards, while maintaining high quality work that is measured by the number of approvals against number of rejections/appeals monthly.
• Work with Relationship Managers on maintenance of updated client files, including client performance analysis and financial/commercial information as agreed.
• Receive and resolve customer queries and complaints, and provide sound business advice and quality service.
• Perform any other duties in relation to the role that may be assigned to you from time to time.

• Strong analytical and numerical analysis
• Good grasp of Microsoft packages and other Bank operating systems like IGOR
• Advanced computer literacy (especially Ms. Excel)
• Good Business acumen and passion for service
• Strong Interpersonal skills to create and maintain relevant business networks
• Excellent verbal, written and communication skills and Presentation skills
• Organization, personal effectiveness, and good follow-up skills
• Ability to work in a fast paced and results oriented environment
• Self-motivated and result oriented, and able to deliver within deadlines
• Awareness of full range of banking products and services
• Knowledge and effective application of relevant regulatory and banking policies, processes, procedures.

• Bachelor’s degree in Statistics, Finance, Accounting and other Business related degrees.
• Professional qualifications in Finance or related fields e.g. ACCA, CFA, CPA desirable.
• 2+ years of experience preferably in data analysis and or banking
• Strong knowledge of bank products and processes.