Credit Analyst


Business and SME Banking Team

Head Office

Our Business and SME Banking Team is looking for a Credit Analyst Key Responsibilities
  • Originate credit proposals (including renewals) with the support of Relationship Managers for onwards submission to Credit Risk Team and/or Credit Sanctioning Authority within an agreed time- frame.
  • Ensure all credit proposals originated are in line with and comply with the Bank’s credit policy and guidelines, BOM guidelines and other applicable legislations.
  • Analysis and interpretation of financial statements to assess the financial strength of tborrower, highlighting potential risks (wherever applicable) and providing appropriate recommendations to mitigate the identified risks.
  • Liaise with Support Functions (Credit Risk team, Credit Administration Team, Legal and Documentation Team, Trade Finance etc) as and when required to ensure approval, post approval documentation, disbursement and post disbursement processes take place in a smooth manner.
  • Reporting- Prepare and submit Returns (which are under the responsibility of Business and SME Banking) as and when same are due.
Technical Skills:
  • Computer literate with sound knowledge of word, excel, PowerPoint and Microsoft Outlook.
  • Strong knowledge of loan granting processes and eligibility criterias for financing to Business and SME Clients.
  • Strong knowledge of Trade Finance Products and Project Finance.
  • Sound knowledge of Central Bank’s guidelines and other relevant local legislations.
Behavioural Skills/ Competencies:
  • Excellent analytical skills.
  • Quality oriented, having an eye for details and show strong bias for continuous improvement.
  • Ability to work under pressure to meet tight deadlines.
  • Excellent planning, prioritizing and organizational skills.
  • Excellent team spirit.
  • Proactive, dynamic and solution provider.
  • Good interpersonal and communication (oral/written) skills.
  • Showing strong commitments towards achieving the financial target of the Department.
Qualifications & Experience:
  • Degree in Banking/Finance/Accounting or partly qualified ACCA/CA/CIMA.
  • Minimum 2 years banking experience in a Credit Analysis Environment.
  • Strong knowledge of loan granting processes and eligibility criterias for financing to Business and SME Clients.
  • Computer literate with sound knowledge of Word, Excel, Power Point and Microsoft Outlook.
Incomplete applications will be automatically be disqualified. Management reserves the right not to make any appointment following this advertisement

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