Job Purpose
To oversee a team of Credit Analysts in assessment of credit proposals and deliver of a professional service to the business
units, by assessing and evaluating credit facilities.
Main Responsibilities
- Supervise Credit Analysts in submission of balanced credit opinions for approval of/decline of credit applications.
- Provide technical support to Credit Analysts including couching to improve quality of the credit proposals recommended for approval.
- Ensure the team observes SLA and without jeopardizing the quality of credit proposals.
- Provide direct professional credit assessment and evaluation of credit proposal, to counter-party credit risk falls within acceptable parameters and independently recommend appropriate credit proposal including terms.
- Identify, quantifies and evaluates sources of risks and where possible provide mitigations.
- Cross-examine information obtained to gain a thorough understanding of business parameters, which create profit as well as the associated risks.
- Be able to defend own judgement in a manner which does not negatively affect the business relationship.
- Utilize industry and market information available to identify and understand contextual threats to existing and potential clients.
- Build a smooth working relationship with business counterparty to improve quality of business proposals and turnaround time on credit evaluation.
- Share joint credit responsibility for business recommended.
- Detect and evaluates shifts or changes in key risk parameters in a business relationship or industry and evaluates the implications of such changes on continued business dealings.
- Manage performance of the Credit Analysts and provide support for performance improvement.
Attributes
- Excellent understanding of credit and associated risks
- Good interpersonal skills that have been proven in a Business or Credit environment.
- Knowledge of Bank Credit Products.
- Detailed knowledge of credit analysis techniques.
- Analytical and numerate.
- Communications and presentation skills.
- Negotiation skills.
Qualifications and Experience
- University Degree – Commerce/ Economics /Finance/Business or equivalent or higher.
- Proven experience in a Credit role at senior management level gained within the Bank or other banks with at least 5 years’ work experience.
- Prior experience in MSME, Wholesale and Agribusiness will be an added advantage.
- Understanding of the various Industry Sectors (i.e. Government/Parastatals, manufacturing, wholesale, Agribusiness and retail.
CLICK HERE TO APPLY
Location: Head Office
Deadline:2017-09-26
TO APPLY CLICK HERE
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