Job Summary:
The Head of Credit Analysis is 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 application/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 time to decision
Periodic reviews for the running facilities for the corporate and Retail portfolio.
Scheduled 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, 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 either (Accounting, Economics, Statistics) discipline. A Masters 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 in 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 able 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 oriented and able to meet deadlines

How to Apply:
All candidates who so wish to join the banking sector in the aforementioned capacity are encouraged to send their applications with detailed CVs including present position and copies of relevant professional/academic certificates (University Transcript, O & A level) to: Vacanciesbank@dfcugroup.com
Deadline: 17th June 2019