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ROLE ACTIVITIES

Credit Assessment:

• Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of loan applicants.
• Evaluate the financial health of businesses and individuals, identifying potential risks and opportunities.

Risk Analysis:

• Conduct thorough risk assessments, including qualitative and quantitative analysis, to determine the probability of default.
• Assess the impact of macroeconomic factors, industry trends, and market conditions on the applicant’s credit risk.

Loan Recommendations:

• Prepare detailed credit reports and make recommendations to approve or decline loan applications based on the analysis.
•  Present findings and recommendations to credit committees or senior management.

Portfolio Management:

• Monitor the performance of existing loans and portfolios, identifying signs of deterioration or improvement in credit quality.
• Recommend actions to mitigate on assigned portfolios.

Documentation and Compliance:

• Ensure that all credit analyses and decisions comply with institutional policies and regulatory requirements.
• Maintain accurate records of all assessments, decisions, and communications.

Collaboration with Relationship Managers:

• Work closely with relationship managers to understand client needs and provide tailored credit solutions.
• Support relationship managers in structuring credit facilities that align with both client needs and risk policies.

Continuous Improvement:

• Stay updated on changes in regulations, industry practices, and market conditions to refine credit assessment techniques.
• Participate in training and development programs to enhance credit analysis skills.

QUALIFICATIONS & EXPERIENCE

• Bachelor’s degree in finance, accounting, economics, or a related field is preferred.
• 5 years of experience in credit analysis, financial analysis, or a related field within a financial institution.
• Experience with different types of lending such as commercial, agricultural lending is advantageous.
• Strong knowledge of financial regulations, accounting principles, and credit risk management.

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