SME Credit Analyst

A dynamic team is expanding and looking for the right talent. Job Purpose: - Handling SME credit applications by conducting thorough appraisal while mitigating credit risk and ensuring compliance with the laid down bank lending policies and procedures Key Responsibilities: - Responsible for credit underwriting, proper loan structuring, applicant interviewing, and perceptive character judgment. - Conduct thorough analysis of financial statements and assessment of corporates credit applications, including new clients & existing clients. - Present analysis, findings, and recommendations to Credit Department, especially findings that involve a borrower’s ability to repay - Develop and prepare spreadsheets and models to support analysis of new and existing corporate credit applications. - Coordinate with Credit Department to ensure applications are processed within agreed TAT and escalate violations to the Head – MSME. - Monitor portfolio performance, ensuring delinquencies and non-performing loans (NPLs) remain within acceptable thresholds. - Ensuring Credit Policies, Product Profiles and set timelines are adhered to in appraising corporate credit facilities. - Maintain high professional standards and strive to provide quality services and competitive pricing to clients. - Ensure full compliance with KYC, AML, and regulatory requirements, maintaining up-to-date client records. - Adhere to the bank’s policies, standard operating procedures, and central bank regulations - Ensure high audit rating is attained. - Work in close co-operation with the Credit teams to ensure all necessary documentation is completed and all the procedures have been adhered to prior to drawn down. - Ensure high audit rating is attained. - Any other official duty that may be allocated from time to time. Required Qualifications: & Experience - Hold a bachelor’s degree in business, Accounts, Finance or related field. - Professional Credit or Accounting qualifications a plus. - Have a minimum Banking experience of at least five (5) years - Strong Knowledge in Credit and Risk Analysis, risk assessment and structured financing. - Proven ability to build and manage high-value corporate customers