Corporate Credit Analyst

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Job Detail

  • Job ID 1004666
  • Career Level Others
  • Experience 5 Years
  • Qualifications Degree Bachelor

Job Description

Corporate Credit Analyst

Organization: [Co-operative Bank]

Job Reference Number: CCA/CMD/2023

Reporting To: Supervisor – Corporate Credit Risk Analysis Unit

Job Description

The Corporate Credit Analyst will analyze credit proposals from business units, make same-day credit decisions, recommend decisions to credit approvers, and escalate unusual or concerning issues to the Head of Corporate Credit Risk Analysis. The role includes keeping records, advising credit administration/business units promptly, staying updated on economic trends, documenting appraisal issues, and ensuring compliance with credit policies and guidelines.

Key Responsibilities:

  1. Analyze credit proposals, make same-day decisions, and recommend to credit approvers.
  2. Escalate unusual or concerning issues to the Head – Corporate Credit Risk Analysis.
  3. Maintain up-to-date records and update trackers promptly.
  4. Advise Credit Administration Department/business units promptly.
  5. Stay abreast of economic, industry, and business trends for quality analysis.
  6. Document issues causing weak appraisals and train business units on credit analysis procedures.
  7. Ensure lending proposals adhere to credit policy and guidelines, escalating exceptions.
  8. Highlight necessary changes to the Bank’s credit policy and procedures.
  9. Provide timely responses to business units as per agreed SLAs.
  10. Adhere to all regulations, statutes, standards, practices, internal processes, and procedures.
  11. Address risk management requirements within the remit and escalate where necessary.

Qualifications, Skills & Attributes:

  • University degree in a Business-Related field from a recognized university.
  • Minimum of 5 years of banking experience in a credit-related function.
  • Thorough knowledge of the Banking Act, the Bank’s credit policy, Prudential guidelines, Environmental and Social Risk Management, and lending guidelines.
  • Credit and financial analytical skills.
  • Ability to identify, analyze, condense, and articulate complicated ideas and findings briefly and clearly.
  • Good knowledge of business trends and the business environment.
  • General awareness of the Bank’s vision and focus, especially in relation to Business Development & management of risks.

How to Apply: If you fit the profile, forward your application enclosing a detailed Curriculum Vitae to indicating the job reference number CCA/CMD/2023 by January 12, 2024.