Summary
Date Posted: Wednesday, March 30, 2022 , Base Salary: Not Disclosed

JOB DETAILS:
Senior Retail Analyst

Job Purpose Statement
To carry out credit appraisals on Asset Finance applications (customers whose borrowing is below 35M), in compliance with the bank’s risk exposure and in conformity to the prevailing credit policy. To manage and oversee Retail Credit Analysts in the absence of Manager – Credit Analysis with an aim of ensuring excellent turnaround time and quality appraisals in line with set down policies and procedures. The role holder will also maintain customer relationships through efficient and timely service to both internal and external customers

Key Accountabilities (Duties and Responsibilities)
Financial 20%
• Revenue relating to provision of credit are beingcharged and collected.
• Actively participate in Cross Selling other Bank Products.
• Contribute to the general departmental lending targets through strict TAT observance and high level service delivery standards.
Internal business processes 65%
• Achieve high level customer service, process controls and set TAT at all times.
• Analyse financial reports (statements, budgets etc) for the purpose of appraising customer’s credit worthiness.
• Assess repayment capacity and collateral adequacy.
• Review prevailing economic trends, and risk ratings, and apply the same in the appraisal process.
• Establish effective communication relationships with customers, dealers, other departments and other supporting personnel/service providers.
• Guide customers/dealers on HP documentation requirements.
• Provide liaison with Business remedial Support unit, and Legal department on recovery of debts.
• In the absence of Credit analysis manager, supervise credit Analysts and pre-scanning team and endeavour to maintain high standards of appraisal

NCBA Group Core Value Behaviours (Performance Drivers)
• Driven
• Open
• Responsive
• Trusted

Technical Competencies
• Bancassurance Competence: Ability to understand the Insurance products offered in the market. Knowledge of all documentation and processes.
• Technology Skills: Computer literate.
• Industry knowledge: Candid knowledge of the banking and insurance sector.
• Regulatory knowledge.
• Operational Risk knowledge.

Other skills
• Change management.
• Interpersonal and influencing.
• Coordination and execution.
• Collaboration and team work.
• Communication and listening

Work Hours: 8

Experience in Months: 36

Level of Education: Bachelor Degree

Job application procedure
Use the link(s) below to apply on company website.
• Senior Retail Analyst 

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