The Credit Analyst – Tourism Sector Financing will be responsible for ensuring timely and quality assessment of proposals for credit facilities, whether new or existing, based on sound credit and financial principles.

Responsibilities or duties

The successful candidate will be responsible for delivering professional credit assessment services to business units by evaluating credit facility requests, including but not limited to tourism sector financing. This will involve assessing both new and existing credit facilities based on sound credit principles, credit policy, and financial principles, with the aim of minimizing risk to the bank.

Qualifications or requirements

The ideal candidate should possess the following knowledge and skills:

• Excellent understanding of credit and associated risks.
• Understanding of industry sectors and regulations, especially the tourism sector and other related sectors.
• Good interpersonal skills proven in a business or credit environment.
• Knowledge of bank credit products.
• Detailed knowledge of credit analysis techniques.
• Strong analytical and numerical skills.
• Good communication and presentation skills.
• Negotiation skills.
• Ability to appropriately structure a deal.

Experience needed

Applicants should meet the following requirements:

• Bachelor’s degree in Commerce – Tourism Management, Tourism, Hospitality Management, or related fields.
• At least 3 years of experience in a credit role gained within the banking sector.
• Prior banking experience in lending to MSEs and SMEs will be an added advantage.

• Provide specialist and professional credit assessment to determine whether credit proposals meet the required criteria.
• Assess whether counter-party credit risk falls within acceptable parameters.
• Independently recommend appropriate credit proposals, including necessary terms or conditions to ring-fence exposure.
• Review and evaluate information to gain a thorough understanding of mining business parameters, including factors that create profit or value and the associated risks.
• Defend own judgement professionally without negatively affecting business relationships.
• Use available industry and market information to identify and understand contextual threats to existing and potential clients.
• Build smooth working relationships with business counterparts to improve the quality of business proposals and turnaround time.
• Share joint credit responsibility for recommended business.
• Take and/or recommend remedial or appropriate actions for deteriorating exposure identified during the review process.
• Observe service level agreements without compromising the quality of credit proposals.

• Excellent understanding of credit and associated risks.
• Understanding of industry sectors and regulations, especially the tourism sector and other related sectors.
• Good interpersonal skills proven in a business or credit environment.
• Knowledge of bank credit products.
• Detailed knowledge of credit analysis techniques.
• Strong analytical and numerical skills.
• Good communication and presentation skills.
• Negotiation skills.
• Ability to appropriately structure a deal.

• Bachelor’s degree in Commerce – Tourism Management, Tourism, Hospitality Management, or related fields.
• At least 3 years of experience in a credit role gained within the banking sector.
• Prior banking experience in lending to MSEs and SMEs will be an added advantage.