Senior Credit Analyst

Company Description

Addosser is a one stop shop for all financial services.

Job Description

·         Evaluate customers' loan applications in line with the bank's credit policy.

·         Identify critical risks in credit request and provide advisory on how requests can be restructured in line                with the bank’s risk appetite.

·         Has relevant experience in analyzing consumer and SME loans.

·         Organization of credit committee.

·         Portfolio management & reporting.

·         Create innovative credit evaluation processes and systems.

·         Evaluate clients for credit worthiness based our internal risk models & their application                                         information.

·         Weed out fraudulent applications, and unreliable applicants.

·         Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the                        correctness of the contracts.

·         Continuously ensure alignment/compliance to the credit risk management framework.

·         Continuously analyze and recommend improvement on credit risk management framework, processes              and systems.

·         Preparation of statutory reports.

Qualifications

• A first degree in Economics, Finance or any other discipline, Master’s Degree is an added advantage.
• Minimum of 3 years banking experience.

·         Good knowledge of accounting and relevant lending ratios.

·         Experience in SME & consumer lending.

·         Analytical skills

·         Good communications.

·         Good reporting skills.

Additional Information

A friendly culture. Performance Driven Environment and Open door system