Role overview
What you'll be stepping into
Key Duties and Responsibilities:
Appraise credit proposals for financing using Bank or administered funds in line with the guidelines of Bank of Africa, the Central Bank, and any other appropriate credit standards, regulations, policies and practices, and approve within personal lending limits or make appropriate recommendations to the Credit Committee for decision making.
Review and sign-off offer letters for approved facilities, ensuring that all terms and conditions have been indicated as per approval.
Review and / or recommend annual improvements to the Credit Policy and Procedures Manual, Underwriting Standards and Credit Product to the Head, Credit Analysis.
Ensure that all credit files reviewed are timely updated with correspondences from / to clients, are well maintained and contain all the relevant sections as per BOA credit policy.
Visit / meet customers when required and further undertake project / business site visits, security inspections to better understand the related risks, and document visit reports with copies placed in credit files.
When required, proactively train / coach any stakeholders along the credit process in credit risk assessment techniques and review their credit files for purposes of coaching.
To assist the Senior Manager Credit Analysis with adhoc projects, tasks, or other business deliverables.
Directly collaborate with the Senior Manager Credit Analysis in formulating the credit strategy and annual budgets of the credit department.
Directly assist the senior Manager Credit Analysis in authorizing regular board reports and management reports relating to the credit portfolio of the Bank.
Any other duties as may be assigned to you from time to time
Additional Responsibilities
The Bank reserves the right to amend, modify, or adjust the responsibilities of this position as business needs evolve, in alignment with applicable labour laws.
The Employee may also be required to undertake additional duties or projects from time to time, within their capabilities and consistent with the responsibilities of the role, as directed by the Employer.
Qualifications, Skills and Experience:
Bachelor’s Degree in Business, Finance, Accounting Banking or a relevant field
Certification in credit skills is desirable
Professional qualifications in Finance or related fields e.g. ACCA, CFA, CPA desirable
5 years’ experience in Banking, preferably in risk analysis for financial products
Solid grasp of the Bank’s business model, its strategy and all of its products and services
Solid grasp of laws, regulations, policies, process and procedures relating to credit
Solid grasp and interpretation of industrial and national economic trends
Exposure the Banking Core Systems and Credit Processing Systems
High ethical standards and a commitment to the values of the Bank.
Strong financial and numerical skills
Strong business acumen
Solid and proven credit skills
Strong analytical skills
Customer centricity
Strong interpersonal skills with ability to influence key people inside and outside the Bank
Attention to detail and good investigation skills
Strong presentation, verbal and written communication skills
Ability to work under pressure, in a fast paced and results driven environment
How to apply
Application details
To apply for this position, please contact the employer directly. Make sure you have your CV, cover letter, and any required documents ready.