Credit Underwriter- Commercial Banking

Job Purpose:

Handling Corporates credit applications by conducting thorough appraisal while mitigating credit risk and ensuring compliance with the laid down bank lending policies and procedures

Key Responsibilities:

Responsible for credit underwriting, proper loan structuring, applicant interviewing, and perceptive character judgment.

Conduct thorough analysis of financial statements and assessment of corporates credit applications, including new clients & existing clients.

Present analysis, findings, and recommendations to Credit Department, especially findings that involve a borrower’s ability to repay

Develop and prepare spreadsheets and models to support analysis of new and existing corporate credit applications.

Coordinate with Credit Department to ensure applications are processed within agreed TAT and escalate violations to the Head – Corporate and GIB.

Monitor portfolio performance, ensuring delinquencies and non-performing loans (NPLs) remain within acceptable thresholds.

Ensuring Credit Policies, Product Profiles and set timelines are adhered to in appraising corporate credit facilities.

Maintain high professional standards and strive to provide quality services and competitive pricing to clients.

Ensure full compliance with KYC, AML, and regulatory requirements, maintaining up-to-date client records.

Adhere to the bank’s policies, standard operating procedures, and central bank regulations

Ensure high audit rating is attained.

Work in close co-operation with the Credit teams to ensure all necessary documentation is completed and all the procedures have been adhered to prior to drawn down.

Any other official duty that may be allocated from time to time.

The Person:

The ideal candidate must possess the following:

Qualifications/Experience:

Hold a bachelor’s degree in business, Accounts, Finance or related field.

Professional Credit or Accounting qualifications a plus.

Have a minimum Banking experience of at least five (5) years

Strong Knowledge in Credit and Risk Analysis, risk assessment and structured financing.

Proven ability to build and manage high-value corporate customers

Competencies/Attributes:

Personality: A go-getter, enthusiastic, results oriented with excellent communication and social skills. A

forward planner with clear focus, mature, reliable, hardworking and able to work without supervision.

Strong business acumen with a deep understanding of corporate banking solutions.

Strong negotiation and deal-closing abilities.

Ability to work in a fast-paced environment and deliver results under pressure.

Excellent communication and interpersonal skills to engage with corporate clients

Sound knowledge of the Bank’s policies and procedures

Management ability: Responsibility and ability to underwrite corporate credit applications end to end with recommendations.

Ability to interpret Financials and make sound decisions out of it. ▪ Honest and with high integrity ▪ Keen to details.

Industries:Banking

Function: Accounting and Finance