Credit Analyst

About the Role

Responsibilities

• Participate in the Bank’s credit committee to review creditworthiness and risks associated with potential business transactions using appropriate tools and models, providing mitigants to identified risks.
• Analyze financial and non-financial data for proposed credit to determine the degree of risk involved in extending credit or lending money, including full assessments of liquidity, profitability, and credit histories.
• Conduct full reviews of all credit applications received from business units and make recommendations to HOCC/EXCO for approval.
• Monitor all aspects of the Bank’s credit risk management process to ensure alignment with approved governance, escalating exceptions with recommendations to senior management.
• Work closely with the Credit Quality Assurance Unit to proactively identify problem accounts and recommend timely remedial actions.
• Support the loan remediation team in negotiating workout plans and strategies for delinquent customers.
• Supervise, mentor, and guide Credit Managers at branches to ensure the onboarding of quality business and strict adherence to bank policies, procedures, and KYC requirements.
• Assess client businesses for accurate cash flow analysis, proper loan structuring, and required loan amount propositions.
• Ensure strict adherence to approval procedures and credit standards outlined in the lending manual, ensuring all credit policy exceptions are escalated and authorized by senior approving authorities.
• Prepare and present the Monthly Activity Report for the Credit Underwriting Unit at HOCC, while delivering high internal customer service focused on accuracy, responsiveness, and agreed turn-around times (TAT).
• Provide ongoing training and consultation to lending officers at both the Branch and Head Office levels.
• Ensure the overall growth of a quality loan portfolio and undertake any other duties assigned by the immediate supervisor.

Requirements

• Strong analytical skills for financial and non-financial data
• Knowledge of credit risk underwriting and management
• Ability to make recommendations for credit application approvals
• Proficiency in monitoring credit risk processes and portfolio quality
• Skills in problem account identification and remediation support
• Leadership and mentorship abilities for Credit Managers
• Expertise in cash flow assessment and loan structuring
• Adherence to lending policies, procedures, and KYC requirements
• Reporting and internal customer service skills
• Ability to provide training and consultation to lending officers