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Team Lead, Corporate Credit Appraisal

Reporting Relationships

  • Functionally & administratively reports to the Head, Corporate Credit Appraisal.

Certifications

  • Any of the following: ACCA, CRMI, CIBN, PMP, ICAN

Job Objective(s)

  • Underwriting of corporate credit applications in a timely manner and generate quality report to aid decision making by approval authorities.

Duties & Responsibilities

  • Introduce the Bank to the marketplace, meet Assignment of credits to Credit Analysts in the Corporate Appraisal Group.
  • Ensure credit requests have complete documents [i.e. financial spreads, evidence of proposed security, contracts – if applicable, etc. – current target of 80% of credits appraised.
  • Ensure credit requests are processed in a timely manner-currently within 48-96 hours from submission of complete credit packages.
  • Initial response to Relationship Managers on submitted credits – currently within 24 hours of receipt of credit package.
  • Ensure credits processed are in line with the Bank’s laid down guidelines on credit as follows:
    • Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
    • Evaluate customer records and compare achieved profitability against initial projections.
    • Confer with credit administration Group to get credit reports where not provided by Relationship Managers.
    • Liaise with Legal Services Division on contracts, collateral documentation, etc.
    • Undertake joint calls with Relationship Managers when required.
    • Analyze financial data such as income growth, quality of management, and market share to determine expected performance on loans.
    • Evaluate Information on credit requests to Determine Compliance with Standards — Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.
    • Prepare quality reports [Credit Comments Memorandum] that includes the degree of risk involved in extending credit or lending money.
  • Periodic Review of Product Papers.
  • Build knowledge of Account Officers and Relationship Managers on the Bank’s Credit Culture, Policies and Procedure.
  • Annual Rating of Corporate Bank Relationship Managers.
  • Any other duties as assigned by the Head, Corporate Credit Appraisal.

Experience / Skills

  • High risk consciousness.
  • Good knowledge of Microsoft Excel.
  • Ability to pay attention to detail.
  • Ability to work under pressure.
  • Good knowledge of the Bank’s Banking Software.
  • Good understanding of various economic sectors/market dynamics.
  • Strong ability to interpret and reconcile accounts.
  • High level of independence and assertiveness
  • Strong analytical skills.
  • Excellent organizational skills.
  • Good record keeping / file keeping and documentation skills.
  • Excellent interpersonal skills.
  • Good written and oral communication skills.
  • Leadership and Managerial skills

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