Credit Analyst


Credit Risk

Head Office

Job Summary: The main purpose of this position is to undertake an in-depth assessment of credit proposals received from Business Units and make appropriate recommendations in compliance with the Bank's credit policy and relevant guidelines with a view to ensure good quality lending. Key responsibilities:
  • Assess credit proposals from Corporate and International Banking within agreed SLA/KPI. It would involve completing a comprehensive risk assessment to highlight inter alia, the credit risks involved and how to mitigate these risks.
  • Ensure alignment of all credit requests with the Bank’s Credit Policy and guidelines and formulate proper recommendations to the approving authority.
  • Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counter party risks for new or increased facilities.
  • Assist in reviews of Sovereign and Bank limits.
  • Proactively research, analyze and manage data from reliable sources with the aim to preempt risks on the credit portfolio.
  • Assist to produce regulatory reports on credit concentration and related party transactions.
Qualifications and competencies:
  • ACCA qualified or a Degree in Banking/Finance/Statistics/Accounting or an alternate qualification acceptable to the Bank
  • Minimum 3 years experience in Credit Risk Management in a bank/financial institution
  Additional skills:
  • Strong knowledge of Central Bank’s guidelines and other relevant local legislations
  • Sound Knowledge and understanding of loan granting processes
  • Strong analytical and judgmental skills
  • Strong knowledge of Corporate Finance, Structured Trade Finance, Project Finance and Risk Management
  • Strong understanding of the financial market
  • Good communication and interpersonal skills
  • Highly numerate
  • Fluency in English and French
  • Ability to use Microsoft Office tools (Excel, Word, Powerpoint and Outlook)
  • Ability to work under pressure and meet tight deadlines

Job offer

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