Credit Analyst

 

 

Job Title: Credit Analyst – Regional Business Office
Reports To: Senior Credit Manager – Head Office
Dotted Line Reporting To: Investment Manager – Regional Business Office
Department: Credit Risk
Scale: Bank 06
Location: Regional Business Office – Arua
Supervises: None

Carry out Credit underwriting of applications under the Special Programs Platform ensuring strict adherence to the Bank’s credit risk appetite, policies and procedures. Support the loan book administration, Monitoring & Recovery process on the book of the Regional Business Office.

The role holder will execute prudent underwriting standards for both prospective and existing funding proposals at the regional office in alignment with the bank’s credit risk framework.

Prudent underwriting standards including high levels of client due diligence to underwrite credit risk to prospective and existing clients that have a strong probability of success, that will generate cashflow and will repay all credit facilities from business cash flows. Conduct independent analysis of the financial condition of borrowers and prospects in support of loan origination, loan renewal, and loan review. Ensure Credit Risk Ratings assigned to credit exposures are dynamic, timely and accurate to correctly reflect the risks associated with such a borrower. All credit activities undertaken at the regional office are in compliance with the Credit Risk Management Policy, and the Credit Procedures Manual always. All business deals presented at the regional office are in compliance with policy limits and prudent credit underwriting, as well as adherence to credit procedure and practices. Prepare ratio analyses, peer group comparisons, and provide commentary on the findings including abnormalities, unusual trends, one-time events, relevant tasks, developing problems, etc. that require further investigation/clarification/explanation. Participate in preparation and processing of loan applications for the departmental/Management and Board Credit Committee in accordance with the department’s guidelines. Assist in monitoring of the performance and grading of the loan portfolio on a monthly/ongoing basis and recommend relevant remedial actions in accordance with the credit policy. Support the Bank’s business growth objective through timely credit assessment/underwriting of projects. Give weekly/monthly/yearly Regional Business Office loan book performance to the regional head. Any such roles that may be assigned from time to time.

Analyze credit applications and offer an opinion on viability for funding and adherence to Credit Risk management framework. Administer and monitor the Regional Business Office loan book to remain healthy and profitable.

Internally: All Bank Departments. Externally: When deemed appropriate, current and prospective clients.

Qualifications: A numerate degree with Accounting, Finance, or other related fields of study. Professional certification in a related field of study will be an added advantage. Experience: 5 years related experience in credit analysis/loan underwriting in a financial institution. Exposure to underwriting long term credit is highly desirable. Sector specific underwriting specialization and/or experience (e.g. agriculture, manufacturing, tourism) will be an added advantage.

Strong oral and written communication skills, strong analytical skills, ability to maintain confidentiality of credit and customer information, superior planning and organizing skills, and good interpersonal skills and team orientation.

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