Credit Analyst

August 3, 2022

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Job Description


• Prepare, review and evaluate credits and allied activities to deliver agreed targets.

• Partner Relationship Management Teams to maximize credit opportunities for existing and potential Commercial Banking clients by offering suggestions and alternative credit management solutions.

• Responsible for ensuring compliance with pre-disbursement conditions for approved credits within their portfolio before signing-off for actual disbursement

• Support Relationship Management Teams to maintain a high quality credit portfolio with zero cost of credit through adherence to risk management policies and procedures.

• Maintain risk alertness, recognize and report adverse business cycles or early warning signals across the Commercial Banking market.

• Ensure satisfactory ratings in internal and external audits by complying with credit policies, procedures as well as regulatory requirements on credit delivery.

• Contribute to a high-performance environment by living service behaviours that deliver world-class corporate credit support to Relationship Management Teams and customers.

• Pursue self-development by identifying personal development and training needs and taking steps to build capacity


• Turnaround time in service delivery

• Consistency and frequency of customer satisfaction

• Business growth and profitability


• Proficiency in Data Entry

• Working knowledge in credit risk management is critical.

• Excellent knowledge in banking operations, compliance, general banking rules, regulations & procedures and policies & processes.

• Strong analytical and Problem-solving skills.

• Excellent communication skills, i.e. writing, presenting and listening skills.

• Excellent negotiation and presentation skills.

• Strong leadership and decision making skills.

• Ability to handle pressure, manage change effectively and work in a dynamic environment.

• Excellent interpersonal and people management skills.

• Results oriented with drive to exceed set targets and the initiative necessary to take on new responsibility.

• Proficient computing skills (i.e. Word, Excel, and Power Point).


• Demonstration of excellent work ethics

• Excellent Team player capable of building effective relationship.

• Proven ability to deliver excellent customer service with passion

• Excellent communication and inter-personal skills.

• Proven ability to pay attention to detail.


• Ability to interpret laid down instructions and policies

• Ability to identify the changing dynamics of the business environment and quickly react to them.

• Ability to identify when and to whom difficult customers should be referred.


• A minimum first degree in any relevant subject or field


• A minimum of 3 years direct experience in banking with some focus on credit risk management and structuring of credit deals.