Credit Risk Analyst

The Credit Risk Analyst will primarily be responsible for credit assessment, evaluating the credit risk of new business/ the periodic risk review of existing clients and portfolio review. He or she will also be responsible for independent controlling and monitoring of key aspects of the credit process.

**Credit Admin**

Primarily responsible for independent controlling and monitoring of key aspects of the credit process. Specifically, assist line manager / unit in the core deliverables of the CAD within the Credit & Risk Group by:

- Ensuring all facility and security documentation are prepared in accordance with credit approvals, Credit/Legal documentation policy and department procedures.
- Review of routine facility documentation in liaison with all for both, existing and new facilities.
- Ensuring receipt and satisfaction of conditions precedent prior to a facility limit activation and utilization.
- Tracking, follow-up, satisfaction and reporting the status of conditions subsequent documents and highlight exceptions to line manager.
- Management of all security & documentation associated with the credit portfolio.
- Building and maintaining a portfolio-wide database to capture the day to day management of security and collateral taken by the bank against its’ lending.
- Monitoring of security/collateral, documentation, financial & non-financial undertakings etc.
- Ensuring timely activation of limits for utilization and their communication to all stakeholders.
- Preparation of periodic reports as well as any MI reports for the department.

General
- Performing all tasks predominantly in the capacity of a checker and a maker (as needed).
- Assuming the role of a joint custodian in the safe custody management process, as and when nominated.
- Ensuring all processes and procedures are adhered to at all times.
- Escalating risks/issues through the line manager for timely resolution.
- Partaking in planned and ad-hoc departmental projects.

**Credit Risk Analyst**
- To assess complex financials, projections, assess and summarize industry and country risks.
- Good writing and presentation abilities to cover complex structures and credit obligors in a succinct and clear manner.
- Improve quality and timeliness of CAFs, to be aligned with risk appetite, policies & procedures, with key risks and mitigants identified.
- Make a clear recommendation to the appropriate credit committee.
- Timely submission of credit proposals in line with prescribed timeframe for submission to Credit Committees for approval.
- Ensure good quality of credit risk management information presented to Credit Committees ensuring consistency, quality, and objectivity of presentation.

Business Support
- To provide support in terms of interpretation of the Group Credit Policy its related standards and procedures.
- On submission of the CAF, the Credit Risk Analyst ensures that it is in compliance with group policies and requirements. Comments on any deficiencies and indicates a level of support, be it positive, negative or conditional for the submission.
- Work with the Credit Analyst ensures that spreadsheets have been compiled correctly, covenants have been complied with and any additional conditionality delivered.
- Maintain independence of 2nd line of defense while ensuring timely and active support to 1st line of defence in underwriting acceptable credit transactions
- To be involved in risk related projects.

Development and training
- The Credit Risk Analysts must ensure that they are receiving appropriate training from either internal or external sources.

**Requirement**
- Minimum qualifications are a post graduate degree in Economics, Finance, Accountancy or Business Administration with a strong foundation in analytical, statistical, and other quantitative techniques.
- A minimum of 5 - 7 years’ experience in banking with a substantial part of that in Credit functions across section of products, markets and business types e.g., traditional commercial banking, loans syndications, trade finance (structured and unstructured), securities investment/trading, capital markets and knowledge of Treasury products profile and use in trading/hedging;
- Minimum of 3 - 5 years’ experience in credit admin or in a similar function, with large regional or global financial institution(s).