Credit Analyst

No detailed description provided.

• Evaluates loan analysis from branches and outlets and provides advice to the loan officers at branch and outlet level. • Ensures loan policies are adhered to for all loans before approval/rejection. • Makes suggestions to the Managing Director, Credit committee and/or BoD concerning changes to the lending policy and/or procedures. • Oversees the quality of the loan portfolio and regularly discusses proposed measures with the loan officers in the branches. • Prepare loan -related reports to internal and external stakeholders (e.g. BNR, RCA). • Act as liaison /point of contact for loan officers in the branches. • Supports in the loan analysis process, if required and technically advise the staff Committee/Credit Committee to take the final decision depending on the approval limits; • Supports in measurement of credit risk and stress testing. • Actively participate in the updates of the policy and procedure manuals related to loans. • Performs quality assurance assessment of loans disbursed at branches. • Evaluates the SACCO’s lending performance annually and compare it to past periods by reviewing a breakdown of the number and amount of loans outstanding by purpose; • Perform any other tasks requested by Competent Authority. • Bachelor’s degree in Finance, Accounting, or any related field. • Minimum three (3) years of working experiences in credit function in the financial industry, preferably microfinance institutions. • Good understanding of the banking operations mainly branches operations, loan granting process, credit risk management, product development and laws and regulations governing deposit taking microfinance institutions.