Credit Analyst

JOB DESCRIPTION: The ideal candidate will:

Support SME Banking’s business units (BU) through timely and accurate processing of credit proposals (AAs/credit papers/templates) for renewals, growth of existing accounts and acquisition of new business, for management approval.
Assist BUs with credit-related queries, ensuring proposals comply with internal policies and regulatory requirements.
Conduct onsite review at customer premises for accounts with Factoring/Accounts Receivables Financing (ARF) facilities.

• Participate in projects related to system enhancements and workflow and procedural streamlining.

JOB RESPONSIBILITIES: 1.Timely turnover of cases (processing requests from BUs).

Generation of AAs and credit papers/templates.
Promptly follow up with BU on missing documents.

2. Ensure accuracy of data input in credit proposals.

Request for documentary evidence.
Conduct ACRA/ROC/litigation checks, World Check and CBES searches, and highlight any adverse findings to BU.
Review work prior to submission to BU.

3.Ensure all applications are in compliance with regulatory requirements and internal policies.

Refer to internal credit policies for guidance.
Promptly highlight potential issues or adverse findings to BU for appropriate action.

• Verify that BU had conducted all necessary checks with relevant parties and that documentation is complete.

• JOB REQUIREMENTS: Qualifications

  Possess a degree, preferably in area of Business, Banking, Finance, Accounting and related fields.

  Competencies

  Attention to detail with strong analytical capabilities.
  Basic understanding of financial statements.
  Ability to work independently and collaboratively within a team.
  Good communication skills.
  General knowledge of banking products.

  *Only shortlisted candidates will be identified.