Senior Credit Analyst

Addosser is a one stop shop for all financial services. ·         Evaluate customers' loan applications in line with the bank's credit policy. ·         Identify critical risks in credit request and provide advisory on how requests can be restructured in line                with the bank’s risk appetite. ·         Has relevant experience in analyzing consumer and SME loans. ·         Organization of credit committee. ·         Portfolio management & reporting. ·         Create innovative credit evaluation processes and systems. ·         Evaluate clients for credit worthiness based our internal risk models & their application                                         information. ·         Weed out fraudulent applications, and unreliable applicants. ·         Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the                        correctness of the contracts. ·         Continuously ensure alignment/compliance to the credit risk management framework. ·         Continuously analyze and recommend improvement on credit risk management framework, processes              and systems. ·         Preparation of statutory reports. - A first degree in Economics, Finance or any other discipline, Master’s Degree is an added advantage. - Minimum of 3 years banking experience.·         Good knowledge of accounting and relevant lending ratios. ·         Experience in SME & consumer lending. ·         Analytical skills ·         Good communications. ·         Good reporting skills. A friendly culture. Performance Driven Environment and Open door system