Role overview
What you'll be stepping into
Key Duties and 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.
Qualifications, Skills and Experience:
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INTERNSHIP
Bachelor’s degree in Business, Finance, Banking, Marketing or a related field
Certification in credit management is desirable
Professional qualifications in Finance or related fields e.g. ACCA, CFA, CPA desirable
Solid grasp of the Bank’s business model, its strategy and all of its products and services
Solid grasp and interpretation of industrial and national economic trends
Good understanding of the Bank’s core system (IGOR) and Credit Processing System (Credit)
Experience, Competencies and Additional Requirements
High ethical standards and a commitment to the values of the Bank.
Strong financial and business acumen
Solid and proven credit risk analysis skills
Strong customer needs assessment, negotiation and facility structuring skills
Customer centricity and Strong business risk awareness
Strong interpersonal skills with ability to influence key people inside and outside the Bank
Attention to detail.
Strong presentation, verbal and written communication skills
Team player with strong interpersonal skills and the ability to build internal and external relations
Ability to work under pressure, in a fast paced and results driven environment
How to Apply:
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All suitably qualified and Interested applicants should apply online at the link below.
How to apply