Senior Credit Officer - Corporate Banking

Reports To

Executive Manager, CBD

Job Purpose

Examines, evaluates and processes applications for credit or loans. Also responsible for the follow - up and maintenance of assigned credit accounts from Relationship Managers and support client management.

Generic Accountabilities

Specific Accountabilities

1. Credit applications Prepare credit applications by analysing and checking application, ensure information is correct and correctly input in the right format. Engage with the client in ensuring information supporting the application is correct.
2. Credit process. Prepare submissions to credit committees and handle requests for clarification and additional information. Advise client of progress of application
3. Credit Analysis: Prepare credit application credit analysis, support client operations management and handle new clients
4. Client management.  Manage a portfolio of clients ensuring client needs are delivered and a high-quality service is provided and identify business opportunities.
5. Financial Analysis:   Interpreting and analyzing the financials supported by the spread sheet and other information gathered to produce effective reports explaining the historical operating performance of a company as well as its financial position, liquidity, & cash flow management etc.
6. Customer Service: resolve any issue related to corporate customers on timely manner

Education

Experience

• Minimum 3 years of experience in corporate banking in credit application and process
• Experience of supporting corporate customers
• Experience in credit analysis, credit process and portfolio management

Skills

• Understanding of corporate banking products and services
• Knowledge of banking and credit risk principles and processes

Work Contact

Internal Stakeholders: All Corporate Teams, Risk Management, Remedial, Treasury, Operations and Retail

External Stakeholders: Corporate Customers

Competencies

JD Code

CBD 8.5