Credit Analyst

Responsibilities

Operations

¨      Evaluate and analyze credit requests from clients.

¨      Conduct necessary credit investigation and analysis of the intending borrowers.

¨      Preparation of offer letters for approved facilities.

¨      Compilation and submission of all credit requests submitted to the department on monthly basis showing approved, declined and pending facilities.

¨      Provide assistance and recommendations in determining the most appropriate loan structure for borrowers.

¨      Support credit administration function for the overall portfolio as may be required.

    Carry out duties as assigned

Reports

¨        Credit Portfolio analysis (Monthly report to BOG)

¨      Management approvals (Quarterly report to the BOD)

      workflow daily report

Key performance Indicators

¨      Credit Application TAT- SLA adherence

¨      Losses from fraud vs total revenues

¨      Credit Underwriting efficiency: Credit lines renewal efficiency/renewal rate reports TAT report.

Key Compentencies Required

Organisational Competencies

¨      Professional Attributes

¨      Business Knowledge

    Peronal Attributes

Functional Competencies

¨      Credit Analysis

¨      FABL’s Credit Policies, Processes, etc

¨      FABL’s Credit Products

¨      Credit Portfolio Planning

¨      Credit Portfolio Tracking/ Management

¨      Financial/ Report analysis

¨      Debt Restructuring

     Loan workflow and debt Management

Qualifications & Certifications

¨      A University degree in Accounting or Finance.

       Professional quqlifications is an advantage

Working Experience

1-2 years work experience