Job Description

KEY PERFORMANCE AREAS

Credit Proposals

Analyse financial statements, management accounts, VAT returns, and book debts to assess client and guarantor performance.

Conduct qualitative reviews, market research, and corporate ratings to determine client affordability and risk exposure.

Prepare comprehensive credit proposals, including financial spreads, sensitivity analyses, and SWOT/risk assessments.

Gather and verify client information, including business background, credit history, and security details.

Maintain and update exposure and security reports on internal systems, ensuring data accuracy and compliance.

Collaborate with Legal and Credit Committees (MCC, ECC, BCC, BOD) by preparing executive summaries and responding to proposal queries.

Identify and communicate key risks, mitigating factors, and value-added insights in credit submissions.

Analysis of book debt

Analyse clients' book debts monthly to assess recoverability and determine updated security values.

Prepare and maintain book debt schedules, including security valuations and risk ratings.

Liaise with clients to resolve book debt queries and ensure accurate reporting.

Provide analysis insights and respond to queries from the Management Credit Committee (MCC)

Trade Review Finance

Maintain and update trade finance review registers and tracking schedules for all trade and revolving asset facilities.

Record and monitor key details such as review dates, facility levels, approvals, and submission timelines.

Track outstanding information for each application and follow up to ensure timely completion and compliance.

Review Letters

Prepares trade review letters requesting financial information from clients and/or the clients accountants for annual trade reviews.

Follows up on receipt of letters and submission of information on an ongoing basis.

General

Follow up with clients for required financial information and documentation (e.g., statements, VAT returns, and banking details).

Prepare annual Corporate Murabaha commercial property reviews for submission to the Credit Department.

Obtain and verify FICA documentation for all clients.

Prepare facility levels post-approval, load securities, and complete compliance checklists.

Capture applications on internal banking system and maintain accurate and up-to-date deal files.

QUALIFICATIONS

A degree or relevant qualifications in Finance / Accounting will be required in order to meet the requirements of the role at the highest level of competence.

EXPERIENCE

A minimum of 2-3 years' experience in the Finance/ Accounting environment

KNOWLEDGE

Credit Lens Ms Office IMAL TASL (Technical Advance Support Log) SharePoint Credit Portal Knowledge of the following:

Credit Policies and Procedures

Shariah Banking principles

Banks policies and procedures

Basic knowledge on the Banks Products and Services

Finance and Accounting


Albaraka Bank is an Equal Opportunity Employer. Applicants from the previously disadvantaged groups and people with disabilities will be given preference