Job Purpose
To oversee a team of Credit Analysts in assessment of credit proposals and deliver of a professional service to the business units, by assessing and evaluating credit facilities.
Main Responsibilities
Supervise Credit Analysts in submission of balanced credit opinions for approval of/decline of credit applications.Provide technical support to Credit Analysts including couching to improve quality of the credit proposals recommended for approval.Ensure the team observes SLA and without jeopardizing the quality of credit proposals.Provide direct professional credit assessment and evaluation of credit proposal, to counter-party credit risk falls within acceptable parameters and independently recommend appropriate credit proposal including terms.Identify, quantifies and evaluates sources of risks and where possible provide mitigations.Cross-examine information obtained to gain a thorough understanding of business parameters, which create profit as well as the associated risks.Be able to defend own judgement in a manner which does not negatively affect the business relationship.Utilize industry and market information available to identify and understand contextual threats to existing and potential clients.Build a smooth working relationship with business counterparty to improve quality of business proposals and turnaround time on credit evaluation.Share joint credit responsibility for business recommended.Detect and evaluates shifts or changes in key risk parameters in a business relationship or industry and evaluates the implications of such changes on continued business dealings. Manage performance of the Credit Analysts and provide support for performance improvement.
Excellent understanding of credit and associated risks.Good interpersonal skills that have been proven in a Business or Credit environment.Knowledge of Bank Credit Products.Detailed knowledge of credit analysis techniques.Analytical and numerate.Communications and presentation skills.Negotiation skills.
Qualifications and Experience
University Degree – Commerce/ Economics /Finance/Business or equivalent or higher.Proven experience in a Credit role at  senior management level gained within the Bank or other banks with at least 5 years’ work experience.Prior experience in MSME, Wholesale and Agribusiness will be an added advantage.Understanding of the various Industry Sectors (i.e. Government/Parastatals, manufacturing, wholesale, Agribusiness and retail.
Location: Head Office

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