Duties & Responsibilities
- * Analyze SME credit applications for new and renewal facilities received from the branches by assessing the client's business activity, financial statements, cash flows, and repayment capacity, to determine whether the requested facility is suitable and affordable.
- Prepare credit write-ups and memos in the approved template, presenting the analysis, key risks and mitigants, and a clear recommendation on amount, tenor, and conditions, to enable Risk to make informed and timely decisions.
- Verify the financial and customer data in each file against supporting documents, field visit reports, and I-Score reports, to confirm the accuracy of the information and detect inconsistencies or fraud indicators.
- Screen client profiles against the credit policy and acceptance criteria before preparing the write-up, and return ineligible or incomplete files to Relationship Managers with clear reasons, to avoid submitting unacceptable profiles to Risk.
- Ensure that each file is complete with all required documents, guarantees, and AML/KYC checks before submission, to reduce returned cases and comply with FRA regulations and the internal credit policy.
- Follow up with Relationship Managers and branches on missing information and respond promptly to Risk queries, to close cases within the agreed SLA and support a higher approval ratio.
- Document policy exceptions with their justification and escalate them, together with complex, high-risk, or suspicious cases, to the Team Leader, to ensure that they are reviewed at the right level.
- Prepare periodic repayment follow-up reports on facilities approved from own write-ups, highlighting delayed cases, and submit them to the Team Leader, to support the improvement of future credit analysis.
QualificationsBachelor’s degree in commerce, Accounting, Finance, Economics, or a related field.
- 1–2 years of experience in SME business, credit analysis, credit underwriting, or a related field.
- A credit analysis course and previous experience in SME lending or financial services are required.
Functional CompetenciesFinancial statement and basic credit analysis – Advanced
- Credit write-up preparation – Advanced
- AML/KYC requirements and fraud red flags – Basic
- Microsoft Excel and MS Office – Advanced
- Business communication and follow-up – Advanced
