Job Description

The Senior Credit Analyst forms part of a credit team that is responsible for the effective growth, management and profitability of the Bank's advance book portfolio allocated to the team

Requirements

CREDIT RECOMMENDATION AND APPROVAL

Personal to holder mandate as communicated in writing by Chief Risk Officer and Head: Credit Risk Management Credit Committee invitee in absence of Credit Manager Ensuring that the risk rating (RM3) and debt service cover ratio (DSCR) calculations plus all other supporting documentation submitted with a credit proposal is in order.

CREDIT MAINTENANCE

Daily exception reports Loan arrear reports Group reports Joint responsibility for correctness of the bank's collateral incorporating facility and quotation documentat Limit management and review Risk grading incorporating capture and checking on RM3 model Ensuring that the correct this grading is captured across all systems Effective and timely communication

OPERATIONAL / ADMINISTRATIVE

Management of turnaround times within service level agreement Ensure accurate and timely provision of information to the Manager: Credit Operations for reporting to regulators, external auditors, finance department, executive and board Ensure all items on credit system are actioned timeously Ensure correctness of security quoted and receipt of supporting documentation for all proposals submitted on credit system Provide a meaningful recommendation on proposals submitted within recommendation mandate as advised by Credit Manager from time to time Ensuring risk-based pricing Ensuring adherence to all terms and conditions of sanction Timely receipts and analysis of debtor schedules and management accounts Monitoring of watch list accounts Loan account opening incorporating correctness of grids and fee recovery Control of forex linked facilities Preparation of agendas and packs for credit meetings Advances file maintenance and adherence to Credit file naming conventions Ensuring correctness of executive summary where necessary Performing any of any ad-hoc duties assigned by Head: Credit Risk Management or Credit Manager

STRATEGIC OBJECTIVES

As communicated via the Chief Risk Officer and Head: Credit Risk Management

Academic Knowledge:

Matric with further studies preferably a Bachelor's degree

Work Experience:

3 years' experience in lending field

Skills/Specialized Know How:

Knowledge of laws and regulations impacting on lending such as Companies Act,

All appointments will be made in line with Access Bank's Employment Equity plan. The Bank supports the recruitment and advancement of individuals living with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

Employees who apply and do not hear from HR within 30 days of the closing date may assume that their application was not successful, and we thank you for applying.

Benefits

Medical Aid Provident Fund Group Life Cover Income Disability Cover Funeral Cover * Training & Development