Credit Analyst

Role Overview

The Credit Analyst position entails the thorough evaluation and assessment of credit applications to determine the creditworthiness of individuals, businesses, and other borrowers. This role requires conducting in-depth financial analyses, identifying potential credit risks, and offering sound recommendations to ensure prudent lending decisions. The analyst must strictly adhere to the Bank's credit policies and comply with pertinent regulatory frameworks.

Key Responsibilities and Compliance Framework

• Evaluate and analyze credit applications to assess credit risk.
• Perform detailed financial examination of applicants' data.
• Identify, manage, and mitigate risks associated with credit lending.
• Provide actionable recommendations supporting lending approvals or denials.
• Ensure compliance with the Bank's credit policies and relevant regulatory mandates.

Required Knowledge and Regulatory Understanding

• Comprehensive knowledge of the Bank Credit Policy.
• Familiarity with Bank Standard Operating Procedures (SOPs).
• Understanding of the Risk Management Policy.
• Awareness of Banking Laws applicable to credit and lending.
• Compliance with BNR Regulations, Guidelines, and Directives.
• Adherence to Prudential Guidelines issued by regulators.
• Requirements from Internal Audit and Compliance functions.

Employee Benefits

• Medical insurance coverage for staff and dependents in line with the Staff Benefits Policy.
• Access to staff loans offered at discounted interest rates as defined by policy.
• Support for tuition fees relating to professional development courses.
• Gym membership benefits as per staff policy.
• 13th month salary payment.
• Leave allowance entitlement.