Description
Position Function
To critically assess risks in credit proposals and provide an opinion to management before booking the risk by the Bank, and manage /recommend courses of action to be undertaken to mitigate risks on credit business.
Key Responsibilities
- Appraise credit proposals for financing using Bank or administered funds in line with the guidelines of Bank of Africa, the Central Bank, and any other appropriate credit standards, regulations, policies and practices, and approve within personal lending limits or make appropriate recommendations to the Credit Committee for decision making.
- Review and sign-off offer letters for approved facilities, ensuring that all terms and conditions have been indicated as per approval.
- Review and / or recommend annual improvements to the Credit Policy and Procedures Manual, Underwriting Standards and Credit Product to the Head, Credit Analysis.
- Ensure that all credit files reviewed are timely updated with correspondences from / to clients, are well maintained and contain all the relevant sections as per BOA credit policy.
- Visit / meet customers when required and further undertake project / business site visits, security inspections to better understand the related risks, and document visit reports with copies placed in credit files.
- When required, proactively train / coach any stakeholders along the credit process in credit risk assessment techniques and review their credit files for purposes of coaching.
- Monitor the credit portfolio as may be assigned by the Head, Credit Analysis.
- Carry out any other duties that may be assigned to you from time to time.
Academic & Professional Qualification
Bachelor’s Degree in Business, Finance, Accounting Banking or a relevant field
Certification in credit skills is desirable
Professional qualifications in Finance or related fields e.g. ACCA, CFA, CPA desirable
3 years’ experience in Banking, preferably in risk analysis for financial products
Solid grasp of the Bank’s business model, its strategy and all of its products and services
Solid grasp of laws, regulations, policies, process and procedures relating to credit
Solid grasp and interpretation of industrial and national economic trends
Exposure the Banking Core Systems and Credit Processing Systems
Application deadline: 5:00pm on Sunday, 04 October, 2026
