Job Purpose:

The Credit Corporate Analyst is responsible for evaluating the creditworthiness of corporate clients by conducting comprehensive financial and risk analyses. This role supports the credit decision-making process by preparing detailed credit proposals, assessing market and industry risks, and ensuring that all credit recommendations align with the bank’s risk appetite and regulatory requirements. The analyst works closely with relationship managers and credit committees to structure sound credit solutions that support business growth while safeguarding the bank’s assets

Key Responsibilities:

• Conduct thorough analysis of financial statements and assessment of corporate credit requests, including new requests, changed requests, refinancing and annual due diligence
• Present analysis, findings, and recommendations to Management Credit Committee, especially findings that involve a borrower’s ability to repay
• Develop and prepare spreadsheets and models to support analysis of new and existing corporate credit applications
• Ensuring Credit Policies, Product Profiles and set timelines are adhered to in analysis and approval of corporate credit facilities.
• Conduct industry/sector studies with a view to updating policies and procedures guiding lending to a specific corporate sector.
• Ensure high audit rating is attained.
• Presentation of board level credit facilities to the Board Credit Committee for approval.
• Custody of the Board Credit Committee minutes and coordination of board recommendations and directives.
• Any other official duty that may be allocated from time to time.

The Person:

The ideal candidate must possess the following:

Qualifications/Experience:

• Hold a bachelor’s degree in business, Accounts, Finance or related field.
• Professional Credit or Accounting qualifications a plus.
• Have a minimum of five (5) years’ practical experience with proven result-oriented track record in recoveries.
• Experience in banking & legal background a plus

• Conduct thorough analysis of financial statements and assessment of corporate credit requests, including new requests, changed requests, refinancing and annual due diligence
• Present analysis, findings, and recommendations to Management Credit Committee, especially findings that involve a borrower’s ability to repay
• Develop and prepare spreadsheets and models to support analysis of new and existing corporate credit applications
• Ensuring Credit Policies, Product Profiles and set timelines are adhered to in analysis and approval of corporate credit facilities.
• Conduct industry/sector studies with a view to updating policies and procedures guiding lending to a specific corporate sector.
• Ensure high audit rating is attained.
• Presentation of board level credit facilities to the Board Credit Committee for approval.
• Custody of the Board Credit Committee minutes and coordination of board recommendations and directives.
• Any other official duty that may be allocated from time to time.

• Hold a bachelor’s degree in business, Accounts, Finance or related field.
• Professional Credit or Accounting qualifications a plus.
• Have a minimum of five (5) years’ practical experience with proven result-oriented track record in recoveries.
• Experience in banking & legal background a plus