Credit Analyst – NMB Bank
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Job Purpose:
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.