Identify credit and risk management requirements at the initial stage of the credit application and evaluate business risk and proposal viability from a credit risk perspective.
Assisting in credit origination at the Commercial/SME hubs in line with the Bank’s approved Credit Policies to realize revenue targets through quality credit structuring.
Support in Appraisal of Credit Applications in line with Product program documents for
Commercial & SME requests and recommend for approval or otherwise.
Regular customer visits with relationship managers and hub managers to obtain an understanding of Commercial & SME businesses to aid in identifying client credit needs and recommendation of appropriate credit structuring.
Perform duties in compliance with the Banking Laws and the Bank of Ghana’s Credit Policy Guidelines.
Follow through on credit applications to ensure that the necessary approvals and disbursements are obtained
Assist in portfolio management on an ongoing basis.
Perform any other task as may be assigned from time to time by Manager, CSME Credit Origination.
COMPETENCYREQUIREMENTS
Technical Skills
(Educational, Professional Qualification, Experience)
A first degree and/or a professional qualification in finance related field.
At least 4 years working experience in credit origination/ credit risk analyst role.
Good Financial Statement and Balance Sheet Analysis Skills and the ability to identify warning signs from a business’ financial statement.
Good credit data analysis.
A good understanding of the Ghanaian Commercial & SME business environment. This is an FBL Internal Information
Personal/Behavioral Skills
Excellent communication, listening and presentation skills
Display a high sense of integrity and professionalism
