Credit Analyst NCBA Bank

To support the Senior Credit Analyst and the Relationship Managers in day to day management of an assigned portfolio and provide credit analysis on key assigned credit relationships. Direct, control and co-ordinate all banking, lending and operations associated with the assigned portfolio of accounts with the intention of monitoring acceptable credit risk and maximizing the bank’s return from each client.

Key Accountabilities (Duties and Responsibilities)
Financial 30%
• Prepare and submit credit proposals in conformity with Credit Policy guidelines and requirements in liaison with the Relationship Manager and to maintain a high standard of credit analysis.
• Collect and analyse vital data on clients i.e. annual reports, management accounts, interim reports, industry reports and all press cuttings etc. to acquire in-depth knowledge which will facilitate comprehensive review of assigned accounts relationships and relationships assigned to Relationship Managers.
Obtain account statistics and profitability figures for facilities review/appraisal purposes and ensure that information provided is accurately completed and that relevant remarks are incorporated in the credit proposal.
• Review all existing clients’ facilities on time.
• Prepare excess approval requests/notification for all excesses.
• Support the RM to achieve set income targets (Interest income and Non-interest income)
• Undertake RM’s responsibilities when RM is away.
• Ensure all income is collected.
• Cross-sell other Bank Products.

Internal business processes 40%
• Contribute in setting the Credit risk appetite
• Continuously review the appropriateness of the chosen credit strategies in the light of any changes in the market place, competitors’ activities and the business environment.
• Monitor accounts on a daily basis to ensure operations within the approved limits.
• Take remedial action by pursuing customers on regularization of overdrawn positions
• Prepare excess requests/notification for all excesses and follow up for sanctions by approving authorities.
• Confirm of Interest rates every end of month.
• Prepare assigned portfolio monthly reports on a timely basis as is required from time to time for sign off by RM.
• Provide an interface between the bank, existing and prospective customers in order to maintain good customer relations, so as to meet customer needs within the strategic objective of the bank.
• Oversee the relationship management of assigned customers through maintenance of an effective call program.
• Make recommendation for existing and prospective customers under the various loan products and submit to the appropriate final authority within established turnaround time.
• Run with a customer experience initiative to build customer loyalty for allocated portfolio
• Attend expeditiously to queries / routine correspondence generally emanating from Clients, Credit Administration, Risk Control, branches and customers.
• Accompany the RM on client visits and file call reports.
• Obtain account statistics and profitability figures for facilities review/appraisal purposes and ensure that information provided is accurately completed and that relevant remarks are incorporated in the credit proposal.
• Review of draft offer letters received from credit operations in line with approval terms and conditions

Customer 20%
• Build and maintain positive working relationships with all levels of staff, to ensure effective problem and issue resolution.
• Develop a strong team, skills and culture around within the unit and the stakeholder teams.
• Turnaround time standards or benchmarks for decisions on Business credit applications ie: 1. Service Level Agreement (SLA) / Turn-Around Time (TAT) 2. Customer Satisfaction Index (CSI) benchmarks

Learning and growth 10%
• Maintain professional and technical knowledge by attending and contributing to training programmes, educational workshops, reviewing professional publications, establishing personal networks, participating in professional structures & studies
• Be self-driven and directed. Build excellence in coaching, problem solving, Presentation, communication and writing skills.
• Provide constructive leadership, coaching and advice to the reportees.
• Implementation of change for improvement in credit management.
• Performance Management

Ideal Job Specifications
Academic Qualifications:
• Any Degree from a recognised university
• Credit Management, Accounting or Banking Qualification Experience:
• At least 3 years relevant experience in credit analysis

Professional Training:
• Professional qualifications in ACCA, CPA, CFA etc. are an added advantage
• Strong general banking expertise Prior experience within the Corporate Banking environment is an added advantage

Desired work experience:
• Minimum 3 years working experience in Banking as a Relationship Manager or Credit Analyst
• Working knowledge and effective application of all relevant banking policies, processes, procedures and internal control guidelines to consistently achieve required compliance standards or benchmarks.
• Knowledge and experience of bank practices that provide the basis upon which to provide guidance on activities/tasks in a manner that consistently produce high quality of service, drives quality improvements and continuously evolving operational changes.