Credit Origination Analyst- Kumasi

KEY RESULT AREAS

• Identify credit and risk management requirements at the initial stage of the credit application and evaluate business risk and proposal viability from a credit risk perspective.
• Assisting in credit origination at the Commercial/SME hubs in line with the Bank’s approved Credit Policies to realize revenue targets through quality credit structuring.

• Support in Appraisal of Credit Applications in line with Product program documents for

  Commercial & SME requests and recommend for approval or otherwise.

• Regular customer visits with relationship managers and hub managers to obtain an understanding of Commercial & SME businesses to aid in identifying client credit needs and recommendation of appropriate credit structuring.
• Perform duties in compliance with the Banking Laws and the Bank of Ghana’s Credit Policy Guidelines.
• Follow through on credit applications to ensure that the necessary approvals and disbursements are obtained
• Assist in portfolio management on an ongoing basis.
• Perform any other task as may be assigned from time to time by Manager, CSME Credit Origination.

COMPETENCY REQUIREMENTS

Technical Skills

• (Educational, Professional Qualification, Experience)
• A first degree and/or a professional qualification in finance related field.
• At least 4 years working experience in credit origination/ credit risk analyst role.
• Good Financial Statement and Balance Sheet Analysis Skills and the ability to identify warning signs from a business’ financial statement.
• Good credit data analysis.
• A good understanding of the Ghanaian Commercial & SME business environment. This is an FBL Internal Information

• Excellent communication, listening and presentation skills
• Display a high sense of integrity and professionalism
• Analytical, numerical and problem-solving skills
• Good time management skills
• Team player