Summary
Date Posted: Friday, November 03 2023, Base Salary: Not Disclosed

JOB DETAILS:
Job Purpose Statement
To provide credit support to NCBA Business functions covering Non-Personal Customer Relationships. To provide financial information and analysis, including market intelligence for use in the preparation of credit reports. In liaison with the Relationship Managers, prepare credit reports for review by the credit committee.

Key Accountabilities (Duties and Responsibilities)
Financial
• Obtain and analyse financial information for use in the preparation of credit reports for Corporate Clients
• Conduct quarterly client visits jointly with RMs to gain full understanding of credit risk and document call reports clearly detailing the account plan.
• Works closely with RM in monitoring credit quality of corporate clients within your portfolio by highlighting early warning signs of credit deterioration and advising the turnaround time.
• Prepare Credit Application papers for new proposals and renewals and provide guidance on structuring of credits, due diligence and KYC so as to ensure that credits meet NCBA standards.
• Ensure no account downgrade for all accounts in your portfolio through proactive identification of early warning signs and application of appropriate turnaround strategy to prevent further deterioration.
• Assess profitability of each relationship and generate monthly report on the same
• Counter check that interest rates are correctly applied on loan accounts

Internal business processes
• Maintain financial information on loan accounts including financial covenants, spreads and interim reports
• Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis a vis the bank’s credit portfolio
• Monitors compliance with BAFIA and related Prudential Guidelines.
• Ensures compliance with Bank’s Credit policy and procedures, ensures that exceptions are properly noted
• Work with Auditors both internal and external to ensure timely submission of requested information and appropriate response to queries raised.
• Timely reporting of all incidences including but not limited to actual and suspected fraud or corruption.
• Implementation of change and capability development programmes

Customer
• Conduct quarterly client visits jointly with RMs to gain full understanding of credit risk and document call reports clearly detailing the account plan.
• Works closely with RM in monitoring credit quality of corporate clients within your portfolio by highlighting early warning signs of credit deterioration and advising the turnaround time.
• Provides high level of service to RMS in terms of accuracy, responsiveness and turnaround time
• Timely evaluation and credit grading of accounts. Understanding of risk associated with individual transactions, annual review and raising appropriate concerns
• Undertake annual review of security documentation for all corporate accounts. Ensure all documentation is received and up to date for assigned portfolio
• Perform any other projects as assigned from time to time
• Learning and growth

Fully attend all trainings as assigned to you and in line with annual training needs assessment.

Ideal Job Specifications
• Academic: University degree preferably in Accounting, Finance or Business Administration.
• Professional: CPA (T), ACCA, CFA etc.
• Desired work experience: Minimum of five years’ experience in Corporate Credit Analysis area. Approval experience will be an added advantage.

Technical Competencies
• Credit and Financial skills to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high quality standards or benchmarks.
• Knowledge of lending business and products
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.

Behavioural Competencies
• Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer-service oriented.


Work Hours: 8

Experience in Months: 60

Level of Education: Bachelor Degree

Job application procedure

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