Job Description

Ensure timely and quality assessment of proposals for credit facilities (new and/or existing) based on sound credit and financial principles.

Main Responsibilities:

• Delivery of a professional service to the business units, by assessing and evaluating credit facilities requests (new and/or existing) based on sound credit and credit policy, financial principles, in view of minimizing risk to the bank.
• Provide direct (specialist/ professional) credit assessment to whether the credit proposal meets criteria and counter-party credit risk falls within acceptable parameters and independently recommend appropriate credit proposal including terms or conditions necessary to ring fence exposure.
• Review and evaluate information obtained to gain a thorough understanding of business parameters, which create profit/value as well as the associated risks.
• 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 smooth working relationships with business counterparts to improve quality of business proposals and turnaround time.
• Share joint credit responsibility for business recommended.
• Take and/or recommend remedial /appropriate actions for deteriorating exposure identified during review process.
• Observe SLAs and without jeopardizing the quality of credit proposals.

Knowledge and Skills:

• Understanding of lending to Industry Sectors (i.e. Mining sector, Tourism, Agriculture and others) together with their related regulations.
• Excellent understanding of credit and associated risks
• Good interpersonal skills that have been proven in a Business or Credit environment
• Knowledge of the Bank Credit Products
• Detailed knowledge of credit analysis techniques
• Analytical and numerate
• Communications and presentation skills
• Negotiation skills

Qualifications and Experience:

• Bachelor's degree in Commerce, Economics. Finance, Business or related fields.
• Master's degree in business studies is an added advantage
• Banking certification(s) is an added advantage
• At least 3 years' proven experience in a Credit role within the banking sector.
• Prior Banking experience in lending to MSE and SME will be an added advantage.

• Delivery of a professional service to the business units, by assessing and evaluating credit facilities requests (new and/or existing) based on sound credit and credit policy, financial principles, in view of minimizing risk to the bank.
• Provide direct (specialist/ professional) credit assessment to whether the credit proposal meets criteria and counter-party credit risk falls within acceptable parameters and independently recommend appropriate credit proposal including terms or conditions necessary to ring fence exposure.
• Review and evaluate information obtained to gain a thorough understanding of business parameters, which create profit/value as well as the associated risks.
• 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 smooth working relationships with business counterparts to improve quality of business proposals and turnaround time.
• Share joint credit responsibility for business recommended.
• Take and/or recommend remedial /appropriate actions for deteriorating exposure identified during review process.
• Observe SLAs and without jeopardizing the quality of credit proposals.

• Understanding of lending to Industry Sectors (i.e. Mining sector, Tourism, Agriculture and others) together with their related regulations.
• Excellent understanding of credit and associated risks
• Good interpersonal skills that have been proven in a Business or Credit environment
• Knowledge of the Bank Credit Products
• Detailed knowledge of credit analysis techniques
• Analytical and numerate
• Communications and presentation skills
• Negotiation skills

• Bachelor's degree in Commerce, Economics. Finance, Business or related fields.
• Master's degree in business studies is an added advantage
• Banking certification(s) is an added advantage
• At least 3 years' proven experience in a Credit role within the banking sector.
• Prior Banking experience in lending to MSE and SME will be an added advantage.