Summary
Date Posted: Wednesday, September 27 2023, Base Salary: Not Disclosed

JOB DETAILS:
Position function
Participate in the bank’s strategic management decision-making, with a focus on Credit Risk Management, as well as provide guidance on relationships with external parties and authorities, in this area.

Key responsibilities
• Appraise credit proposals for financing using Bank or administered funds in line with the guidelines of Bank of Africa, the Central Bank, and any other appropriate credit standards, regulations, policies and practices, and approve within personal lending limits or make appropriate recommendations to the Credit Committee for decision making.
• Review and sign-off offer letters for approved facilities, ensuring that all terms and conditions have been indicated as per approval.
• Review and/or recommend annual improvements to the Credit Policy and Procedures Manual, Underwriting Standards and Credit Product to the Head, Credit Analysis.
• Ensure that all credit files reviewed are timely updated with correspondences from/to clients, are well maintained and contain all the relevant sections as per BOA credit policy.
• Visit/meet customers when required and further undertake project/business site visits, security inspections to better understand the related risks, and document visit reports with copies placed in credit files.
• When required, proactively train / coach any stakeholders along the credit process in credit risk assessment techniques and review their credit files for purposes of coaching.
• To assist the Senior Manager Credit Analysis with adhoc projects, tasks, or other business deliverables.
• Directly collaborate with the Senior Manager Credit Analysis in formulating the credit strategy and annual budgets of the credit department.
• Directly assist the senior Manager Credit Analysis in authorizing regular board reports and management reports relating to the credit portfolio of the Bank.
• Any other duties as may be assigned to you from time to time.

Knowledge and experience
• Bachelor’s Degree in Business, Finance, Accounting Banking or a relevant field
• Certification in credit skills is desirable
• Professional qualifications in Finance or related fields e.g. ACCA, CFA, CPA desirable
• 3 years’ experience in Banking, preferably in risk analysis for financial products
• Solid grasp of the Bank’s business model, its strategy and all of its products and services
• Solid grasp of laws, regulations, policies, process and procedures relating to credit
• Solid grasp and interpretation of industrial and national economic trends
• Exposure the Banking Core Systems and Credit Processing Systems

Competence requirements
• Strong financial and numerical skills
• Strong business acumen
• Solid and proven credit skills
• Strong analytical skills
• Customer centricity
• Strong interpersonal skills with ability to influence key people inside and outside the Bank
• Attention to detail and good investigation skills
• Strong presentation, verbal and written communication skills
• Ability to work under pressure, in a fast paced and results driven environment.



Work Hours: 8

Experience in Months: 36

Level of Education: Bachelor Degree

Job application procedure
Interested applicants Click here to apply

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