SUMMARY:
Carry out quality credit assessment, present bankable solutions and manage the credit risk of a portfolio of clients in the Agri-business value chain in the designated regional Office.
POSITION INFO:
To manage and perform quality credit analysis; financial analysis, including data collection, trend analysis, peer comparisons and industry overview to ensure good quality credit submissions to Credit Managers and Credit Committees for the allocated portfolio i.e. Commercial and Transformation Credit applications and mitigate any potential risk on behalf of the company and recommend bankable solutions in accordance with approved Credit Policy, norms and the delegated level of power. Responsible for maintain the portfolio including conducting annual credit reviews on existing portfolio, and re-advancing of production loans and revolving loans within assigned DOP and as when required by management.
Key Performance Areas
1. Credit Assessment and Risk Management
- Analyse all the presented information and complete a sensitivity analysis in order to mitigate risks associated with the client portfolio
- Risk model validations, to ensure that data captured by AES & Business Analyst are accurate.
- Capture data on the back office pricing model and scoring the credit application for pricing purposes
- Conduct customer visits as required by CDB from time to time or as required by front line
- Prepare proposal for recommendation to CAC and CCC (for approval/decline) and consideration by the relevant Credit Committee in accordance to Bank’s Credit policy and agreed processes and procedures
- Presenting credit submission to the GM and committee as and when required
- Update Credit Manager & GM Commercial Credit with the weekly work in progress report to improve turnaround time
- Check the correctness of documents uploaded by Credit Administrator for committee meetings
- Assisting the Credit Manager Commercial Credit with management of Portfolio Region(s) and constantly keeping Portfolio Manager(s) and General Manager(s) at the Branch up to date with credit applications
- Advisory services to front line and providing training as necessary
- Assisting in improving the growth and decreasing the Non-Performing Loans by producing good quality loan assessments.
- Check the accuracy of the credit submission submitted by the Business Analyst
- Escalate any risk pertaining to credit applications to management
2. Stakeholder Relationship Management and Team Support
- Build relationships with all the relevant stakeholders to ensure understanding of requirements and addressing any credit related issues
- Respond to queries received from the Branch operations and the relevant Credit Committee
- Promote a culture of credit risk management at branch level.
- Provide guidance and training to operations on credit related matters
- Adhering to legislative requirements
- Pro-actively develop self with regards to other / new products in the The company
- Manage own career and personal developments
- Demonstrate behaviour that is aligned to the The company values
3. General Administration and Audit Matters
- Ensure that documentation is archived in accordance to the Bank’s policy for record and audit purposes
- Attend to audit findings as and when required within area of responsibility
- Take remedial action on all audit findings and ensure that issues are resolved or addressed
- Ensure recording of all credit committee meetings are loaded on the v-drive
- Ensure feedback is given to all the relevant stakeholders on outcome of the application
4. Loan Policies and Procedures
- Provide input to policies and procedures and updates and identify opportunities to improve as and when required
- Provide inputs on lending norms and credit criteria to be applied on new products
- Participate in the review of Credit Policies and procedures.
- Ensure that the branches are informed of changes to policies and/or of credit policies and procedures that have been approved
- Provide guidance to the operations at branch level to ensure consistency and a standardised approach
Preferred Minimum Education and Experience
- 3 year Tertiary Qualification (Commerce) Majors Accounting; Agri Economics, Credit Management
- 3 years Relevant credit assessment experience
- Thorough knowledge of the
- NCA, CPA, FICA and related credit regulatory requirements
- The primary and secondary agriculture sector finance.
- Appraisal of credit proposals and deal structure for: assets finance, working capital, back ward and forward integration finance
- Advanced business acumen
Critical Competencies
- Microsoft Office
- Knowledge of risk management principles
- Knowledge / Experience of compliance systems / tools
- Compliance Management Principles
- Knowledge of Compliance related legislation
- Knowledge of Business
- Law Principles
Additional Requirements
- Travel is an integral part of the role
- Extended hours as and when required
