Job Purpose:

To evaluate creditworthiness of a borrower and ensure the proposed credit risk is beneficial to the client and as the same time is profitable to the Bank, risks are well mitigated & is within the relevant policies and regulations.

To add value to the credit proposals under consideration by providing advice and techniques to mitigate risks for credits that are considered bankable. creditworthiness

Responsibilities

Appraisal of credit files.

• Reviewing the proposal in the dedicated workflow for correctness and completeness of data capture.
• Confirming borrower’s credit worthiness as presented by Business through review of past credit history.
• Confirming the borrower has capacity, through using the scoring model to determine the Debt Service Ratio.
• Confirming suitability of collateral offered.
• Reviewing the borrower’s contribution to assess their commitment to the proposed facility.
• Identification of credit risks and proposing mitigation measures.
• Validation of credit scoring models.
• Reviewing if proposed facility pricing in credit is in line with the set credit scoring models and aligning the same.
• Progressing the file with a recommended decision for further appraisal and approval or returning to relationship manager highlighting critical missing information and documents.

Review temporary accommodations.

• Confirming that excess templates are attached & supporting documents provided to support the request.
• Check that the request is justified and are properly priced through fees/ commissions.
• Certify that the proposal has verifiable source of repayment.
• Communicating decision for further review or returning to relationship manager highlighting critical missing information and documents.

Processing variations for approved loans.

• Reviewing to ensure all documents & information required to justify the variations are availed.
• Reviewing the proposed variation to ensure the request is justified and does not alter materially the proposal as was approved.
• Progressing the decision for further review by approver or returning to relationship manager highlighting critical missing information and documents.

Organizing Credit Approval Committee meetings for decision making on credit proposals presented.

• Communicating an invite to all stakeholders involved.
• Presenting previous minutes for review.
• Following up on various action points as per CAC meeting deliberations.
• Taking minutes of the meeting.
• Presenting summaries of Credit Analysis unit’s decisions for further deliberations.

Coordinating Senior Credit Committee queries on files approved by local committees by following up and coordinating the responses.

• Conducting periodic follow up on credit files pending approval at Head Office.
• Coordinating responses on queries raised by Snr. Credit Approval Committee analysts.
• Justifying and defending local credit committee decision.

Review of various documents to ensure approval covenants are comprehensively documented.

• Reviewing draft letters of offer for facilities sanctioned by Snr. Credit Approval Committee.
• Reviewing valuation reports for ap-proved collaterals to confirm suitability and sufficiency of collateral values.

Conducting customer call visits from time to time in the company of Business Team.

• Reviewing independently the customer’s business to assess capacity and financing need.
• Reviewing status of borrower’s compliance with matters that may lead to Environment & Social Risks.
• Reviewing independently progresses of borrower’s project financed by the Bank.

Qualifications:

• University Degree preferably in Business related field such as Economics, Finance & Accounting from recognized institution by Commission for University Education.
• Banking professional qualification, Accounting Qualification or equivalent.
• Minimum 5 years’ banking experience, with at least 2 years’ being at Credit Analysis role.
• Good understanding of financial policies, procedures, and external regulations.
• Demonstrated expertise and in-depth knowledge credit process and credit products.
• Evidenced knowledge and understanding of the current banking and financial services operating environment, trends, and practice, related regulatory and governance guidelines and requirement, and applicable laws.

• Reviewing the proposal in the dedicated workflow for correctness and completeness of data capture.
• Confirming borrower’s credit worthiness as presented by Business through review of past credit history.
• Confirming the borrower has capacity, through using the scoring model to determine the Debt Service Ratio.
• Confirming suitability of collateral offered.
• Reviewing the borrower’s contribution to assess their commitment to the proposed facility.
• Identification of credit risks and proposing mitigation measures.
• Validation of credit scoring models.
• Reviewing if proposed facility pricing in credit is in line with the set credit scoring models and aligning the same.
• Progressing the file with a recommended decision for further appraisal and approval or returning to relationship manager highlighting critical missing information and documents.
• Confirming that excess templates are attached & supporting documents provided to support the request.
• Check that the request is justified and are properly priced through fees/ commissions.
• Certify that the proposal has verifiable source of repayment.
• Communicating decision for further review or returning to relationship manager highlighting critical missing information and documents.
• Reviewing to ensure all documents & information required to justify the variations are availed.
• Reviewing the proposed variation to ensure the request is justified and does not alter materially the proposal as was approved.
• Progressing the decision for further review by approver or returning to relationship manager highlighting critical missing information and documents.
• Communicating an invite to all stakeholders involved.
• Presenting previous minutes for review.
• Following up on various action points as per CAC meeting deliberations.
• Taking minutes of the meeting.
• Presenting summaries of Credit Analysis unit’s decisions for further deliberations.
• Conducting periodic follow up on credit files pending approval at Head Office.
• Coordinating responses on queries raised by Snr. Credit Approval Committee analysts.
• Justifying and defending local credit committee decision.
• Reviewing draft letters of offer for facilities sanctioned by Snr. Credit Approval Committee.
• Reviewing valuation reports for ap-proved collaterals to confirm suitability and sufficiency of collateral values.
• Reviewing independently the customer’s business to assess capacity and financing need.
• Reviewing status of borrower’s compliance with matters that may lead to Environment & Social Risks.
• Reviewing independently progresses of borrower’s project financed by the Bank.

• University Degree preferably in Business related field such as Economics, Finance & Accounting from recognized institution by Commission for University Education.
• Banking professional qualification, Accounting Qualification or equivalent.
• Good understanding of financial policies, procedures, and external regulations.
• Demonstrated expertise and in-depth knowledge credit process and credit products.
• Evidenced knowledge and understanding of the current banking and financial services operating environment, trends, and practice, related regulatory and governance guidelines and requirement, and applicable laws.