Reports To
Head of Wealth Management & Private Credit Administration
Job Purpose
Manage & perform the process of in-depth assessment of the financial position and performance of the customers based on their financials to support credit appraisal / review including Equity Valuations / Investment Lending.
Generic Accountabilities
Corporate Governance and Compliance: Work fully within risk policies and procedures and compliance regulations and ensure all divisional activities comply with corporate governance & regulatory/legal frameworks.
Specific Accountabilities
Generic Responsibilities:
- Corporate Governance and Compliance: Work fully within risk policies and procedures and compliance regulations and ensure all divisional activities comply with corporate governance & regulatory/legal frameworks.
Core Responsibilities:
- Financial Analysis: Interpret and analyze financials supported by spreadsheets and other gathered information to produce effective reports supporting informed decision-making.
- Credit applications: Prepare credit application processes by providing financial analysis reports conforming to CBK standards.
- Credit committee: Support the credit review process by providing credit committees with adequate information on the reported financials of the customers.
- Information gathering & Processing: Manage information gathering and effective processing within the unit to support quality analysis. Engage with business units for clarifications/ additional details on financials.
- Credit expertise: Provide expertise in financial review and ensure independent opinion on customers based on their financials.
- Information Gathering & Processing: Drive information gathering and effective processing within the unit to support quality analysis. Foster effective liaison with business units for clarifications/ additional details.
- Credit Analysis: Support the unit to ensure analysis of financials and submission of reports in line with PBD standards.
- Monitoring: Continuously monitor and review granted credit facilities to ensure thresholds are not breached.
Job Success Factors Education
Bachelor's Degree or Equivalent Certification/Experience
Experience
- Minimum 5 years of banking sector experience.
- Experience in financial analysis using associated tools, techniques, and methodologies.
- CFA or minimum CFA Level 1&2. FRM or CCM or ACCM is recommended.
- Extensive experience in financial analysis and handling financials.
- Proficient interpretation of financials.
- Effective financial analysis and assessments to support lending decisions.
- High-quality submissions to credit committees.
- High-quality advice and expertise across PBD.
- Consistent, high-quality service and support.
- Stay updated on industry news, key trends, and macroeconomic developments.
- Maintain & update credit files and follow-up on approved facilities to ensure risk thresholds are met.
Skills
- Understanding of corporate banking products and credit.
- Expertise in accounting policies, standards, and financial analysis tools & techniques.
- Effective writing and communication skills.
Work Contact Interview Questions JD Code
PAWD 25.03