Senior Credit Analyst

Addosser is a one stop shop for all financial services.

· Evaluate customers' loan applications in line with the bank's credit policy.

· Identify critical risks in credit request and provide advisory on how requests can be restructured in line with the bank’s risk appetite.

· Has relevant experience in analyzing consumer and SME loans.

· Organization of credit committee.

· Portfolio management & reporting.

· Create innovative credit evaluation processes and systems.

· Evaluate clients for credit worthiness based our internal risk models & their application information.

· Weed out fraudulent applications, and unreliable applicants.

· Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the correctness of the contracts.

· Continuously ensure alignment/compliance to the credit risk management framework.

· Continuously analyze and recommend improvement on credit risk management framework, processes and systems.

· Preparation of statutory reports.

• A first degree in Economics, Finance or any other discipline, Master’s Degree is an added advantage.
• Minimum of 3 years banking experience.

· Good knowledge of accounting and relevant lending ratios.

· Experience in SME & consumer lending.

· Analytical skills

· Good communications.

· Good reporting skills.

A friendly culture. Performance Driven Environment and Open door system