Summary
Date Posted: Thursday, February 13 2025, Base Salary: Not Disclosed

JOB DETAILS:
Origination and review of Corporate & Investment Banking, Retail, SME Banking, Agricultural Banking, Public Sector credit applications. Pro- actively support the sales force by assessing credit risk of assigned portfolio/accounts with a view to minimizing loss and maximizing Risk Adjusted Revenues through the Credit review process and assist with account maintenance.

Job Summary:
The Credit Analysts in the Retail or Corporate Banking Segment is responsible for evaluating the creditworthiness of individual borrowers, ensuring compliance with the bank’s credit policies, and maintaining a quality retail loan portfolio. The role focuses on consumer loans, personal loans, and mortgage financing.

Key Responsibilities:
• Analyze Reatail or Corporate customers’ risk using credit skills, ratio analysis, cash flow projections using Bank’s provided platforms, evaluation of parent support policies, credit grading and judgment of management and strategy
• The evaluation and analysis of Corporate syndicated credit proposals.
• Jointly structured facilities with Relationship Managers/Branch Heads to meet individual client’s needs with a view to maximizing earnings and minimizing risk and bad debts
• Evaluation and analysis of green asset financing transactions. Conduct comprehensive credit analysis of potential green projects and assets, evaluating their financial viability, environmental impact, and alignment with green finance standards
• Analyze and structure financing transactions ensuring compliance with relevant regulatory guidelines
• Evaluate the creditworthiness of large and global corporations. This critical role involves assessing complex financial structures, understanding global market dynamics, and providing insightful credit recommendations to support multinational lending decisions.
• To understand customer needs and inherent credit risk and act upon them
• Carry out research work and analyze market information so as to counter competitive pressures
• To ensure that all credit conforms to internal Credit Policy and regulatory guidelines
• Monitoring of credit quality and risk by highlighting early warning signs of credit deterioration.
• Obtaining and analysis of financial statements and raising appropriate concerns
• Recommending minimum pricing ranges/ risk margins using exiting tools
• Regular review of credit worthiness of clients using credit scoring techniques and other monitoring tools that may be available from time to time
• Audit preparedness at all times and Prompt co-operation with regulators and internal auditors where we have been inspected by regulators/internal audit
• Any special projects or adhoc roles that may be assigned

Qualifications and Experience
• Grade 12 with five Credits including English and Mathematics
• Bachelor’s degree in Finance, Accounting, or a related field.
• Minimum of 5 years’ experience in Retail/Corporate Segment credit analysis.
• Knowledge and experience in isalamic financing will be an added advantage
• Strong analytical and numerical skills.
• Knowledge of retail and Corporate banking products and credit evaluation techniques.
• Proficiency in credit analysis tools and CRB systems.
• Good communication and customer service skills.

Work Hours: 8

Experience in Months: 60

Level of Education: Bachelor Degree

Job application procedure
• Applications should be submitted electronically, via our website using the link
• https://forms.gle/yVBZk343avkzekMYA 
• Application attachments should include clearly scanned copies of the Curriculum Vitae, Qualifications, Certifications and other supporting documents which will be uploaded via the link as one PDF document. Please note that physical applications will NOT be accepted.
• Closing date for the applications is 19th February, 2025
• To apply for this job please visit docs.google.com.

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