Somtochukwu

Job Summary

To originate, appraise and approve credit request applications in line with the Bank’s credit policy and the risk acceptance criteria, to deliver quality and sustainable risk assets.

• Minimum Qualification: Degree
• Experience Level: Mid level
• Experience Length: 5 years

Job Description/Requirements

Responsibilities:

• Review of the credit requests to identify key risk and proffer  mitigants, agree to structure with business group and to  provide conditions precedent to drawdown 
• Ensure prompt response to credit requests to excite  customers 
  
• Work with other Stakeholders to ensure completeness of  documentation to safeguard the Bank’s position 
• Review and analyze NPL, extract necessary information and make recommendations. 
• Review and appraise fast track credit and detailed analysis  credit within the set threshold of approval 
• Partake in the credit policy design/formulation process

Key Performance Indicator:Financial: 

• Bank’s PBT
• Cost Containment 

Customer: 

• Net Promoter Score 

People: 

• Staff Turnover – Retention (Regrettable Loss)
• Staff Performance Management
• Staff Training & Development 

Process:

• Percentage achievement of the Risk  assets budget for the year – at least 80%
• NPL ratio – less than 5%
• TAT on credit processing i.e. < 5% of  credit process TAT breach
• The ratio of undisbursed approved  credit request to total approved credit  request
• Quality of credit processed: measured  by the number of the recommended request referred by SCO 

Risk: 

• Risk & Control Rating

Required Competencies: 

Core: 

• Credit analysis
• Understanding of CBN monetary policies & guidelines
• Loan structuring & restructuring
• Credit risk management
• Financial statement analysis
• Data mining 
• Trade finance & documentary credit/ collections
• Reporting 

Non-Core: 

• Product knowledge
• Policy formulation & implementation 

Behavioural Competencies: 

• Interpersonal relations 
• Initiative 
• Analytical ability 
•  Decision quality & Problem-solving

Organizational Competencies: 

• Attention to Detail
• The bank”s Ethics & Values
• Continuous Learning
• Drive for Results
• Time/Self Management

Job Profile:

The behavioural competencies of the job include the ability to: 

• Be a self-starter in order to complete tasks and overcome problems as well as provide direction for others.
• Create a culture of continuous improvement.
• Continually seek out opportunities. Practise and encourage a culture of strategic excellence.
• Take appropriate decisions whilst, at the same time, ensuring that others do likewise.
• Evaluate situations and calculate risks whilst justifying and defending quality standards.
• Enjoy challenging problem-solving situations and come up with well thought through practical solutions.
• Provide simple, practical solutions and complete all assignments thoroughly and timeously.
• Work as part of a team and demonstrate tolerance, understanding and consistency when dealing with others. 
• Adopt a serious and questioning manner in order to assess situations and reach conclusions, thus basing the processes on facts and information gleaned from others.
• The Job Profile indicates that the job requirement is for a person who has the ability to achieve results through a logical, systematic and perfectionist approach. 
• Challenging assignments and the research of facts and information within a specialist/technical area are also important to the role.
• The incumbent should have the persistence to see a job through to a conclusion and be happy to work either alone or on the periphery of a team.
• The function calls for well-defined parameters,  achieving goals and solving problems, whilst at the same time maintaining quality and standards.
• The person occupying the job should be authoritative, inquisitive, self-reliant, methodical, deliberate and precise in approach. The ability to question, concentrate and work within set precedents may also be important aspects of this job.

Educational Qualification: 

• First Degree in the numerate field. Second degree/ Professional qualification would be an added advantage

Experience: 

• At least 5 years of cognate experience in credit analysis.

Apply Here

Credit Officer – Corporate Banking at Jobberman (Third Party Recruitment) |

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