JOB DESCRIPTION: CREDIT ANALYST – CORPORATE BANKING

• Analyze and underwrite corporate credit proposals in line with credit policy guidelines.
• Review financial statements including annual reports, management accounts, interim reports, and other financial data.
• Conduct detailed credit assessments to support approval decisions.
• Review and monitor existing credit facilities to ensure compliance and performance.
• Prepare documentation for New Business Committee (NBC) meetings, including minutes and reports.
• Monitor covenant compliance and maintain covenant tracking systems.
• Identify covenant breaches, escalate issues, and recommend corrective actions.

• Prepare excess requests and follow up for approvals from relevant authorities.
• Monitor customer accounts to ensure compliance with approved credit limits.
• Support communication between the bank, customers, and internal departments.
• Review and recommend loan applications across various credit products.
• Handle queries from clients, branches, credit administration, and risk teams.
• Conduct client visits with Relationship Managers and prepare call reports.
• Review offer letters and ensure alignment with approved credit terms.
• Review valuation reports and identify discrepancies.
• Contribute to credit policy reviews, product development, and process improvements.
• Support and mentor junior credit analysts to enhance analytical capability.

• Build and maintain strong relationships with internal stakeholders and clients.
• Provide timely responses to customer and internal queries.
• Support a culture of teamwork, collaboration, and customer satisfaction.

• Continuously improve technical and professional knowledge through training and professional development.
• Participate in workshops, industry engagements, and professional networks.
• Maintain up-to-date knowledge of banking regulations and credit practices.

• Bachelor’s Degree from a recognized university (Finance, Accounting, Banking, Economics, or related field preferred).
• Professional certifications such as ACCA, CPA, CFA are an added advantage.
• Additional qualifications in Credit Management or Banking are beneficial.

• Minimum of 4 years’ experience in banking as a Credit Analyst or Relationship Manager.
• Strong understanding of credit risk assessment, underwriting, and banking operations.
• Experience working with corporate lending products and credit policies.

• Credit Risk Analysis
• Financial Statement Interpretation
• Loan Structuring & Underwriting
• Banking Operations Knowledge
• Attention to Detail
• Decision-Making Skills
• Communication & Stakeholder Management
• Analytical Thinking
• Compliance & Risk Awareness
• Team Collaboration

• Coaching & Developing Others
• Building Trust
• Results Orientation
• Business Acumen
• Collaboration
• Accountability
• Responsiveness
• Leadership Influence