Purpose
The purpose of this role is to achieve business
growth in Business Banking segments by providing support to BB Relationship
Managers and Branch Managers; in the preparation of quality credit proposals
for both existing and New to Bank business with an aim of improving on quality
and turnaround time for approval of credit applications.
Primary Responsibilities
Source and acquire agri business in area of posting.
Responsible for agri client wallet deepening and
cross sales.
Responsible for customer experience in managed agri
portfolio.
Responsible for quality of assets in managed
portfolio.
Conduct comprehensive and detailed analysis for both new to bank and existing customers covering both qualitative and quantitative measures regarding the customers’ business including strengths, weaknesses, opportunities, and threats.
Evaluate, analyze, interpret financial information,
and undertake credit assessment in compliance with credit policy guidelines and
in keeping with the credit acceptance and set risk bearing limits.
Ensure that all relevant policy, risk acceptance
criteria and credit risk appetite requirements have been considered and met.
Identify, evaluate, and understand risk associated
with individual transactions, products and borrowers and recommend appropriate
mitigants.
Ensure that all credit proposals are optimally priced
through application of the risk-based Pricing Model.
Independently and accurately prepare the Credit Risk
Rating (CRR) of a borrower.
Ensure that all credit proposals are properly rated
through application of the Environmental & Social Risk Management Policy,
standards, and models.
Follow up facilities approval with requisite unit as
well as continuous follow up with RMs, BMs and ROs regarding credit
applications, documentation, and Timely renewal of customer facilities.
During annual reviews, ensure evaluation of
Borrower’s compliance with agreed facility covenants. The analyst will be
responsible for highlighting the
financial covenants in the proposals as part of their
portfolio management activities.
Engage with BPP RMs, BMs and ROs for proper
structuring and documentation.
Train RMs, BMs and ROs at individual or group levels
on credit analysis processes.
Assist the BPP Segments to deliver on its targets by
always demonstrating teamwork through timely processing of CA’s and offering
support needed on all credit analysis areas.
Attend Credit Analysts meetings that will assist in
improvement of appraisals by participating in discussion on structuring of
facilities, supporting documentation and generally support of business.
Carry out Joint client visits where necessary with
RMs to ensure origination of quality credit applications and timely approval.
Maintain Analysts/RMs relationships through high
level of service delivery.
Person Specification
A Bachelor’s Degree in Business Studies;
Management; Commerce (Finance, Accounting Option) or equivalent
At least 2 years in banking experience in the area of
relationship management and client acquisition.
At least 2 years banking experience in a
lending/credit risk appraisal environment; or equivalent to provide candidate
with a good understanding of Credit risk policies and Product Policies and CBK
prudential guidelines.
Understanding of the local competitor market.
Knowledge in legislation relating to perfection of
securities and requirements by regulating bodies.
How To Apply