Business Credit Analyst (Commercial Banking) at Access Bank

CLIENT FOCUS

ENTRENCHMENT:

• 5 converted leads for cross sell opportunities identified from client interactions (PoE).

BORROW FOR YOUR NEEDS:

• Enabling growth in risk assets (Rand value payouts) through quality FAM’s and meaningful financial analysis

CLIENT EXPERIENCE (15%)

• Internal service survey – feedback from RM’s on the quality of support.
• Customer rating of service – dipstick exercise outcome/Official survey.

 Analyzing of financial information and preparation of FAM.  

• Completion of FAM after loading by Operational Banker using information gleaned from the Call report submitted by the RM to the CA.
• Coordinate with all role players in the FAM approval process to ensure adherence to TAT’s and approval.
• Conduct full financial risk analysis of financial statements as contained in the facility application memorandum (FAM) 
• Complete analysis, findings and recommendations to Managers that involve a borrower’s ability to repay and help mitigate losses via suitable commentary in the FAM.
• Provide recommendations tied to analysis and assessment of credit risk.
• Manage adherence to covenants by clients as part of credit approval.
• Input date into the risk rating model and ensure debt service coverage ratio (DSCR) calculations are in order and meet the bank’s minimum requirements.
• Prepare profitability model.
• Interact with direct report and relevant Relationship Manager to obtain additional information to support financial analysis commentary.
• Capturing financial information in the risk rating model flowing from financial statements provided by the relationship manager.
• Ensuring that the correct risk grading is arrived at and captured in the FAM.
• Management of turnaround times within service level agreement.
• Provide meaningful financial commentary on FAMS.

Risk and Conduct 

• Understand and adhere to the appropriate Access Bank policies and standards applicable to the role.
• AML/TF adherence
• Completion of all compliance training
• Credit risk appetite – Credit loss ratio against budget 

Financial outcomes

• Asset growth – Balance Sheet performance – Performance to rolling forecast.
• Liabilities growth – Balance Sheet performance – Performance to rolling forecast

Academic Requirements

• Matric with further studies preferably a bachelor’s degree in finance, accounting, or related field.

Work Experience

• 5 years’ experience in business banking credit extension and a strong underlying credit analysis experience.