Credit Officer

• Provide and analyse financial information for use in the preparation of credit reports
• Review of credit requests including review of financial and credit information provided in respect to the corporate clients
• Assist in the financial evaluation of new business/projects and provide a guide on market risk.
• Prepare credit reports for new proposals and renewals and provide guidance on structuring of credits, due diligence and KYC so as to ensure that credits meet Ecobank Group standards.
• Maintain financial information on loan accounts including financial covenants, spreads and interim reports
• Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis-a-vis the bank’s credit portfolio
• Counter check that interest rates are correctly applied on loan accounts

 

Experience & Qualifications

• University degree preferably in Accounting, Finance or General Management.
• Associate of Chartered Institute of Bankers (or equivalent) strong advantage.
• Three years banking experience.

 

Skills, Capabilities & Personal attributes

• Technical skills to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high quality standards or benchmarks.
• Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
• Knowledge of lending business and products
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer-service oriented.