Credit Analyst TT

Apply Login & Apply Shortlist Back to search results

JOB SUMMARY

Responsible for analyzing/reviewing reports, credit files and monitoring on a continuous basis the practices of post loan administration in the Network to ensure compliance with the Bank’s Credit Policy guidelines and operating procedures.

KEY DUTIES AND RESPONSIBILITIES

Analyzes, evaluates and examines specific loan accounts to determine whether the approval and post loan administration processes conform to the Group’s operating standards
Prepares the annual On-site Monitor Schedule (an assessment of the Branch/Unit credit functions) and provides monthly updates to Management on the status of the exercise
Conducts site visits (On-site Monitor Exercise) to the Network with a view to monitor and make recommendations for remedial action regarding the enforcement of compliance
Liaises with Manager to discuss findings and to obtain explanations for anomalies observed during the on-site review
Completes report from On-site Monitor exercise with recommendations for improvements to line Manager for onward submission to the relevant Branch/Unit, Cluster Office and Chief Executive Officer
Follows-up monthly, with the Network for implementation of corrective measures where required, and submits report on the status of all outstanding exceptions to the Line Manager for onward submission to the Cluster Office and Senior Management
Evaluates and reviews outstanding exceptions for the network to ascertain corrective action and feedback by the Branch/Unit on efforts to rectify these exceptions
Reviews and analyzes an average of three thousand, six hundred (3,600) exceptions with a value of three hundred and sixty million dollars ($360M) in each financial year
Approves and evaluates supporting documentation/evidence submitted by the Branch/Unit for the correction of outstanding exceptions being reported
Monitors the overdraft Excess Accounts/Overdrawn Current Accounts (without Overdraft Facilities) of lending units to highlight breaches of credit policies
Analyzes the monthly delinquency statistics to identify trends and reviews the internal Arrears Management Process to determine the effectiveness of the system
Evaluates a sample of branch/unit approved credit applications and provides technical advice/recommendations to the Manager on anomalies/issues identified
Reviews the Overdraft Management Reports at the Branch/Unit to ensure compliance with standard operating guidelines and best practices
Reviews and analyzes the Branch/Unit CCMR reports for the twelve (12) month period to determine the quality of submissions and if proper quality control mechanisms are being upheld
Performs an analysis of the Branch/Unit Expired Reviews to determine the status and number of accounts expired and what action plans are being implemented
Prepares statistics report identifying outstanding exceptions for the Branch/Unit after completion of the Onsite Monitor exercise and follow up action with the Branch/Unit on a forty five (45) days cycle to determine corrective plans and systems being put in place to ensure shortcomings are rectified
Reviews request from the Network to archive specific exceptions identified on the Onsite Monitor Report and prepares recommendation to Senior Manager and Assistant General Manager- Credit Risk for approval
Analyzes and completes an overall risk assessment/evaluation of the highlighted exceptions to be archive in conjunction with the related security items and completes proposal for approval
Reviews and provides recommendations for accounts with a value of eighty four million dollars ($84M) for archiving in each financial year
Prepares quarterly Trending Report detailing status on Onsite Monitor Exercise exceptions for onward submission to the Chief Risk Officer (CRO)
Prepares and submits requests to Central Branch Support Unit-Lending for Deed of Release documents for mortgages repaid and transferred to NIB
Conduct searches, prepares and submits Insurance Policy Release documents to the Insurance Companies for repaid NIB mortgages
Prepares and requests replacement Life/Term Policy documents to the relevant Insurance Companies for existing NIB Mortgages
Performs the role of an authorized “B” Signatory
Responds to customers’ requests, enquiries, incoming and outgoing calls, both local and foreign, in a courteous and timely manner consistent with operating standards and escalation to Manager where necessary
Engages in marketing of the Group's products and services
Completes special projects and other delegated activities as assigned by the Manager

QUALIFICATIONS AND EXPERIENCE

Candidates must possess a First Degree in Management / Business Related field or a Professional Accounting qualification from a recognized body such as ACCA, CIMA, CPA etc.
Candidates must also possess a minimum of three (3) years credit experience, one (1) of which must be in commercial credit
Strong conflict resolution and teamwork skills
Strong oral and written communication, time management and presentation skills
Good interpersonal and cross selling skills
Analytical, research, negotiating and problem-solving skills
Ability to use initiative, work independently and exercise sound judgment
Ability to read, analyze, interpret financial statements and use complex documents and forms
Proficiency in Microsoft Office Suite
Knowledge of PROFILE, the Group’s products and services