SME Credit Analyst

KEY RESULT AREAS: 

Credit Evaluation & Risk Management:

• Quality assessment and prudent decisions on all SME loan applications and making appropriate recommendations to higher approving authority.

• Compliance with target turnaround time and the agreed Service Level Agreement (SLA).

• Provide leadership for SME credit team reporting to the SME Manager in view of establishing and maintaining a high performing and motivated team.

• Provide prompt guidance, mentoring, coaching and support on aspects of credit to all credit teams across branch network. 

• Grow the good book whilst minimizing risk. 

• Provide the lead technical support on development of new and reviewing existing credit products and credit appraisal tools.

• Identify training needs of credit teams at SME Center and across branch network through branch visits, spot checks and observations and recommend appropriate credit up-skilling.

• Assist the SME Manager on all credit related issues delegated and act in his / her capacity while they are away.

• Verification of authenticity of relevant documents and information collected from clients submitted within credit files from SME RMs.

  KNOWLEDGE, SKILLS AND ABILITIES:

• Minimum of 4 years working experience in Credit / Relationship Management.

• Skills in credit underwriting and appraisal.

• Strong analytical and people management skills.

• Minimum of bachelor’s degree in Commerce, Accounting, statistics, Mathematics or any other business-related courses.

• Any professional courses in Banking, Credit Management, Accounting or Finance will be an added advantage.