Job Summary:
The Head of Credit Analysis will be responsible for providing leadership and direction to the Credit Analysis unit. The role is responsible for originating and structuring of Customer/Clients’ applications, supporting growth of profitable and quality portfolio, monitoring, and managing portfolio quality.

Key Duties and Responsibilities:
· Provide leadership and guidance to the team in structuring of new and existing clients applications/facilities.
· Review and prepare quality credit proposals/applications. Driving the development, analysis of proposals and liaising with credit to ensure that these are approved in a timely manner.
· Provide technical support to the analysts to ensure timely delivery of quality proposals that meet funding criteria.
· Work closely with product development and Product management teams to develop innovative products in line with changing customer needs.
· Regular contact with credit approval team to drive efficiency and decision time.
· Periodic reviews for the running facilities for the Corporate and Commercial portfolio.
· Schedule client visits for existing and new potential clients especially for complex and structured deals.
· Monitoring of the portfolio quality to minimize loan loss and NPAs.
· Train and develop staff to constantly improve underwriting skills for the team.
· In liaison with Finance to provide relevant information on funders’ requirements & legal requirements to structure deals to balance asset risk and maximize yield/returns based on cash flows ability.

Qualifications, Skills and Experience:
· The applicant for the dfcu Bank Head of Credit Analysis job placement must hold a Bachelor’s Degree with an Accounting, Economics, or Statistics) discipline.
· A Master’s in Finance, Accounting, Project Financing and or professional Finance and Accounting qualification would be of added advantage.
· Credit analysis and Underwriting Certification training.
· Leadership Training.
· 8 years’ experience in Credit and Risk management at a Senior Level with a minimum of 2 years in a similar position.
· Good credit analysis and underwriting skills – interpretation of complex financial statements.
· Sufficient knowledge of Bank lending products in order to make meaningful recommendations to client financing needs.
· Strong analytical power and decision-making abilities.
· Strong pricing and modelling experience.
· Strong communication, interpersonal and negotiation skills.
· People management and Leadership skills.
· A good team player; with the ability to work under minimum supervision.
· Good presentation skills.
· Advanced forecasting and business modelling.
· Ability to build, train & maintain team cohesion.
· A self-driver who is goals-oriented and able to meet deadlines.

How to Apply:
All suitably qualified and interested candidates are encouraged to send applications with detailed CV’s including present position and copies of relevant professional/academic certificates (University Transcript, O and A level) to the email address indicated below; Vacanciesbank@dfcugroup.com
Deadline: 31st August 2020