Job Purpose:


To prepare independent analysis of retail credit reviews and submit summary of analysis for credit review above delegated authority.
To support the Retail segment asset book growth within acceptable PAR tolerance levels to ensure the product remains profitable.


Key Responsibilities:


Ensure that all client documentation is complete and up to date
Ensuring that Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to.
Ensure Service Level Agreement TAT is adhered to through strict monitoring of files held at Credit.
Check completeness of documents submitted by the branch managers.
Immediately inform the Branch/Relationship manager of any document missing (according to the checklist).
Review inward cheques report and excesses daily reports to ensure that they are appropriately sanctioned and therefore safeguard the bank from financial loss from unauthorized extension of credit.
Timely analysis of credit applications while ensuring that good quality of the financing assets is achieved.
Preparation of various management Reports.
Review of new and existing products as per bank guidelines.
Operations
Receive credit applications from relationship managers and branches.
Prompt and fair allocation of applications in the Credit Pool.
Compliance
Ensure compliance with both internal and external regulatory requirements.
Review and ensure compliance of facilities approved conditions.
Ensure compliance with Credit policies and procedures at all times.
Ensure compliance with set SLAs at all times.


Qualifications, Experience and Functional competencies

Qualification and experience


Bachelor’s degree in an Analytical/Business related field
4 years banking experience in a lending function with at least 2 years in credit analysis or business development
Relevant Shariah policies/ processes knowledge
Product knowledge
Relevant Bank policies, e.g. KYC/AML knowledge
Knowledge of credit analysis