KAZI

Credit Analyst

Credit Analyst

Date limite: 15/08/2025

Lecture estimée à : 2 minutes

Description du poste

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Tdr de l'offre

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Pas de Tdrs (Anglais)

Analyse credit worthiness of the new and existing borrowers in order to determine the counterparty risks involved to minimize credit loss and optimise Bank returns through scrutinization of industry risks, business risks, financial risks and management risks.

Key Responsibilities/Tasks
Risk Management
• Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in granting facilities to customers e.g. generating financial ratios
• Provide advice on the risk appetite of the Bank to the business team on the existing credit pipeline
• Compare liquidity, profitability and credit histories of individual or company being evaluated with similar establishments to determine risk.

Reporting
• Prepare reports about the degree of risk in lending money to clients to minimise bad debts and to maximise accounts receivables collections.
• Prepare reports on credit pipeline and status for management credit committee (MCC) and Assets and Liabilities Committee (ALCO) meetings

Operations
• Conduct credit checks through credit referencing bureau to obtain credit information on clients
• Conduct market research on various industries and sectors for incorporation in the credit applications
• Conduct credit analysis and prepare loan request summaries, then submitting the applications to the relevant approving authorities.
• Analyse client records and using the data to recommend payment plans.
• Conduct annual review of accounts which are due for renewal or further extension
• Review of non-performing or other stressed accounts and recommend for restructure as required

Administration
• Custody of all borrowing clients files in locked cabins for control of file movements to other users.
• Perform any other duties as assigned by immediate supervisor from time to time

Skills, Knowledge And Abilities
• Financial analytical skills
• Knowledge on regulatory requirements
• Knowledge of the industry/macro-economic trends
• Analytical skills
• Knowledge on Microsoft applications
• Communication skills

Academic / Professional Qualifications
• Bachelor’s degree in Accounting, Finance, Marketing, Economics or any other related field

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