KEY ACCOUNTABILITIES:

• Prepare credit facility applications that meet dfcu bank credit approval requirements to grow the asset base (portfolio) and related bank revenues like interest income, commissions and fees.
• Provide credit structuring support (guidelines and valuable suggestions) to the business units to enable the bank meet client needs in a timely manner.
• Consistent, periodic monitoring of credit exposures to minimize None Performing Assets (NPAs).
• Maintenance of credit files and ensuring that credit related records are properly documented.
• Perform industry studies and conducts financial analysis of sector customers using credit review skills and financial expertise to support productive sales performance credit scoring.
• Evaluate and acquire a good understanding of the risk associated with individual transactions, products and borrowers.
• Advise RMs on the quality of the portfolio by analysing the ratios of their customers, portfolio at risk, accounts in arrears.
• Make client courtesy calls and visits to provide advisory services to achieve portfolio quality.
• Timely resolution of customer issues that require analysis of their accounts.
• Review existing credit facilities on an annual basis and make necessary propositions like renewals, restructures.
• Timely submission of required documents to credit and legal teams to have fast turnaround time.
• Compliance to internal controls as per credit approval criteria as detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries.
• Support the business teams to engage Credit Documentation for the issuance of Offer Letters to clients in a timely manner.

KNOWLEDGE, SKILLS, AND EXPERIENCE REQUIRED:

• Bachelor’s Degree in Accounting, Finance, Business Administration, Statistics, or a related field.
• Additional training or professional qualification in Business and Project Appraisal, Risk Management, Financial Analysis will be added advantage.
• Minimum of 4 years’ experience in financial services environment with at least 2 in Credit Risk Management environment.
• Credit certification.
• Understand company financial statements (i.e., P&L and Balance Sheet).
• Analytical and problem-solving skills.
• Awareness of business issues and current economic/market trends.
• Computer knowledge especially working spread sheets, power point and word processor.
• Results- oriented individual with independent and sound judgment.
• Good written, verbal and communication skills.
• Self-driven and able to work efficiently under pressure.
• Results- oriented individual with independent and sound judgment.
• Good interpersonal skills, communication, and telephone skills.
• Good written, verbal and communication skills.
• Organized and efficient i.e., goal and task oriented to complete multiple priorities and with the dynamic demands of the different teams in relationship management, credit sanctioning, disbursement, legal etc.
• Ability to keep abreast on changes in the market, customer requirements and competitors’ responses.
• Ability to identify new business /products on the market, opportunities and threats in order to carry out a comprehensive credit analysis