Job Title: Credit Analyst - Nakuru
Job Summary
To provide operational support on credit issues at the branch and assume
accountability for the business transactions across a specific portfolio of clients.
Tasks & Responsibilities
Assist the Branch Manager with product knowledge, sales research, customer
relationship development and research into solutions to meet customer’s needs.
Being 100% available to client and first point of contact for transactional
products and credit related aspects.
Develop and maintain credible relationships with clients at appropriate
levels through reliable, proactive service delivery and skillful application
of specialist knowledge
Keep clients up to date with bank changes influencing them e.g. rate moves,
also following up on requests initiated by clients to provide timely feedback.
Continually liaise with interrelated areas of the bank, e.g. Credit
regarding routine aspects and changes to customers needs or conditions
Establish diverse network internally and externally and utilize it
to facilitate better outreach to meet clients expectation
Reinforce teamwork between self and other Branch Staff and clearly
understand the complementary roles this provides towards growth of business.
Listing of potential customers within the existing business customers
where more business prospects exist within the portfolio.
Be aware of ABC Bank strategy and how Retail Banking Unit objectives
support the strategy
Understand clients industry and business vis-à-vis the internal and
external factors affecting the long term viability of the business and industry
Possess Up to date knowledge of the market forces, the activities of the
competition and their impact on Retail banking with our clients.
Utilize broad range of information e.g. clients financial and business
trends and patterns, information management systems, networks to facilitate
selling opportunities and proactively identify opportunities and threats to
clients and bank.
Understands and conforms to ABC’s risk policies and procedures.
Study and understand risks associated with SME and business clientele
in terms of credit and operations.
Learn to balance the risks inherent within certain clients and act in
a manner which is of long term benefit to the bank and the client.
Arrears-monitoring all accounts in arrears and calling the customers
to regularise the accounts.
Security Documents-For existing customers ensuring that the bank
holds valid securities as per the approvals and following on any due
insurances, maintenance of security documentation until they are fully
under the control of Centralised Securities.
Liaising with the relevant departments for new borrowings to ensure
perfection of the securities has been done before disbursement.
Following up and monitoring any expiring limits to ensure that customers
are informed on time before limits fall off the system.
Manage the day-to-day portfolio of the Branch under the BM’s guidance.
Preparing CLPs for existing business. These CLPs to be reviewed by the BMs
before being submitted to Credit Department.
Making appointments especially when reviews of facilities are due and giving
leads to the head of Retail Banking to enable them book more business.
Primarily responsible for preparation of ICERs and TOD / EOL requests
under the instructions of the BM.
Primarily responsible for calling for all relevant customer information
required to undertake renewal of existing facilities and any other (new business)
requests for facilities.
The targets on preparing of these CLP’s when all documents have been presented
are as follows:
Asset Finance 2 working days
Renewal of Existing facility and back-to-back facilities 2working days.
New CLP –TL & OD 3days
Primarily responsible for customer query resolution as regards ABC operations.
Primarily responsible for update of client information in the Bank’s systems.
Jointly responsible with the BM for analysis and commenting on financial figures
provided to the Bank by the customers. These financial figures include audited
accounts, management accounts, debenture figures etc.
Jointly responsible with the BM for monitoring customer adherence to terms
and conditions of offer letters and any financial covenants agreed with the Bank.
Job Specifications (Qualifications)
Qualifications & Experience:
Business related diploma or degree, CPA(K), AKIB
Banking experience specifically within the branch network
Six months experience within credit environment
Has conceptual understanding of business mission and strategy, as well as
performance implications of the strategy with regard to market success
Knows and understands the best operating practices specific to the business
Relationship and principles of credit management and practice
Team goal structuring and planning skills, knowing how to leverage the expertise of
the team.
Excellent Financial analysis knowledge
Computer literacy
Excellent Lending skills
Excellent Trade finance knowledge
Excellent Marketing / sales knowledge
Clear understanding of ABC Bank’s product range(benefits, limitations, profitability)
Credit policy understanding, policies, processes and procedures
Sound banking knowledge
Ability to cross-sell and identify opportunities.
Maintain clear understanding of the budget and the target setting process within
Business Banking Unit.
Skills and Training:
Clear verbal and writing ability
Analytical and able to communicate research findings
Able to conduct presentations, negotiate on a one to one basis with clients
Attuned to all possible sources of useful information
has conceptual understanding of strategic business plans and trends
Business acumen and financial skills to manage own performance
Enjoys complex and abstract issues
Listens with keenness to others’ problems
If you believe you are the right candidate for the above position and can clearly
demonstrate your ability to meet the above criteria, submit your application with
a detailed CV, to HR.Dept@abcthebank.com on or before 4th November 2011.
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