JOB PURPOSE: Execute prudent credit underwriting standards for both prospective and existing funding proposals at the regional office in alignment with the bank’s credit risk framework
KEY RESPONSIBILITIES:
Maintaining rigorous underwriting and client due diligence standards to ensure credit is only extended to financially viable businesses capable of fully servicing their debt through operational cash flow.
Conduct independent analysis of the financial condition of borrowers and prospects in support of loan origination, loan renewal, and loan review.
Ensure Credit Risk Ratings assigned to credit exposures are dynamic, timely and accurate to correctly reflect the risks associated with such a borrower.
All credit activities undertaken at the regional office are in compliance with the Credit Risk Management Policy, and the Credit Procedures Manual always.
All business deals presented at the regional office are in compliance with policy limits and prudent credit underwriting, as well as adherence to credit procedure and practices.
Prepare ratio analyses, peer group comparisons, and provide commentary on the findings including abnormalities, unusual trends, one-time events, relevant tasks, developing problems, etc. that require further investigation/clarification/explanation.
Participate in preparation and processing of loan applications for the departmental/Management and Board Credit Committee in accordance with the department’s guidelines.
Assist in monitoring of the performance and grading of the loan portfolio on a monthly/ongoing basis and to recommend relevant re-medial actions in accordance with the credit policy. Support the Bank’s business growth objective through timely credit assessment/underwriting of projects.
Give weekly /monthly /yearly Regional Business Office loan book performance to the regional head.
Any such roles that may be assigned from time to time.
SKILLS & QUALIFICATIONS: A numerate degree with Accounting, Finance, or other related fields of study Professional certification in a related field of study will be an added advantage. 5 years related experience in credit analysis/loan underwriting in a financial institution. Exposure to underwriting long term credit is highly desirable; Sector specific underwriting specialization and/or experience (in agriculture, manufacturing, tourism etc.) will be an added advantage.