Job Purpose
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The role of SME Analyst is to assist Relationship Managers SME’s, to
manage a highquality portfolio of SME clients in a manner that complies
with the Bank’s policies (both Shariah and other).• Preparation of credit
proposal Receive all the information and documentation required for a
proposal from the Senior RMs and RMs to analyze the proposal, follow up
with clients on outstanding items
• Assist Senior Relationship Managers and Relationship
• Managers review/confirm the submitted information and
documentation through site visits and subsequent follow-up
meetings/conversations—for adequacy, completeness, and compliance with all Bank
requirements.
• Prepare a draft of the credit proposal for review by
Sector RMs and SRMCommodities and General Trade
• Finalize the credit proposal by incorporating comments
from Sector RMs and SRMCommodities and General Trade Credit decision
• Assist Sector Relationship Managers and Senior
Relationship Manager-SME Hub gather further information required to respond to
questions from the Credit Committee
• Ensure fulfillment of all conditions precedent to facility
disbursement, and ensure that all the relevant documentation is in place
Portfolio management and collection
• Conduct consistent monitoring to prevent defaults on
client’s payment, alterations in the client’s business, and to be aware of
forthcoming client’s financial needs
• In the event of non-payment of a facility installment,
ensure that the Sector RM or Senior RM-SME Hub contacts the client immediately
(meeting him/her in person if required), and, if not resolved, assist them in
subsequent actions to recover credit in arrears according Bank procedures.
Functional Competencies
Credit skills
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Ability to prepare financing proposals• Ability to analyze balance sheet
and profit & Loss statements
• Ability to do cash flow analysis,
• Knowledge of business segments and economic/industry
sectors and risks relating to the segments
• Knowledge of relevant Shariah policies/ processes
• Detailed knowledge of relevant Bank policies, e.g. Credit,
KYC, AML
• Thorough knowledge of relevant Shariah policies and
processes
Business development skills
- • A
good understanding of the target market and growth opportunities• Thorough
knowledge of the Bank’s products and services
• Ability to negotiate and close deals
• Ability to cross sell products of the Bank and maximize on
revenues from a customer
• Ability to monitor targets, use relevant information from
dashboard to identify areas to focus on.
• Ability to identify what competition is doing and
recommend improvements in Bank’s products/services
Qualification and Experience
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Business graduate from an accredited university preferably with a major in
Finance, Marketing and/or Economics. Professional qualification such as
CPA, CFA will be an added advantage.• Proven experience of at least two
(2) years in a similar position, with hands on experience in managing a
portfolio of clients and analyzing corporate proposals.
How to Apply
Apply For Credit Analyst Job Gulf
African Bank here
