Job vacancy: Credit analyst at Ecobank Cameroon
ECOBANK CAMEROUN S.A is recruiting A CREDIT ANALYST IN THE CIB DEPARTMENT Ready to work across the national territory. The position is based in Douala.
KEY RESPONSABILITIES
credit Management – 35%
- Accountable for the review, structuring and approval of credit facilities (CA Package-Spread, BIR, MAP CA
- Face, RAAC, Checklists, Documentation, CA remarks, CCM; CLMRs) together with the credit centers to ensure appropriate credit decision taken.
- All information required to complete the CA is to be obtained timely for the Credit commentary and analysis to be completed.
- All CA’s falling due within the period are to be submitted by the 15th of the month in which they are due. You are responsible for ensuring the timely submission.
- You will be directly responsible for all aspect of the credit analysis and the quality of the submission
- You are required to ensure that the credit quality and integrity of your portfolio is maintained.
- To monitor the booking of credit facilities with credit administration
- All credit deterioration are to be advised immediately when knowledge of this comes to hand in order to protect the bank interests.
- Responsible for credit related advice and guidance on the corporate Business.
- Review corporate bank portfolio and ensure that a maximum NPL of 3% of portfolio and 1% of portfolio revenues is maintained.
- In liaison with the relationship officer and credit Administration Department, continuously monitor the portfolio risk in order to ensure an acceptable portfolio risk rating
- Provide back-office support to relationship officers.
- Proactively research market and client related aspects and communicate information obtained through market in
- telligence reports etc., to pre-empt business risks and opportunities.
- Responsible and accountable for all aspects of the bank’s lending relationship with customers.
- Responsible for accuracy and completeness of information supplied to the bank on which decision are taken.
- Responsible for monitoring the credit performance of customers and assessing on a continuous basis the customers condition dynamically whenever interim information is available and/or received.
- Pay regular visit to customers with sales officers (existing and prospects) and promptly document such visits to record pertinent information.
KEY RESPONSABILITIES
Customer Service – 25%
- Achieve minimum customer service rating of very satisfied in terms of turnaround time in submission of credit application for approval.
- In conjunction with relationship officer, develop and maintain credible relationship with clients at appropriate levels through reliable, proactive service delivery and the application of specialist.
- Risk And Compliance – 25%
- Ensure compliance with all group and regulatory policies and laws.
- Ensure credit facilities are structured in compliance with group credit and other policies
- Achieve ARR rating of acceptable.
- Perform all other duties as reasonably assigned
Self Development & Teaming – 15%
- Remaining up to date on all bank credit policies, credit products, FX, interest rates as well as economic and social development in the environment
- Provide cover for other credit analyst in case of absence or work load
- You are required to avail yourself of the considerable web-based training that is accessible on the
- ECOBANK intranet site in order to enhance your knowledge and skills on products and services offered by the bank.
- You are to demonstrate by way of certificate that you have completed at least 01 meaningful product or risk training per quarter.
- You are required to appraise yourself of the various courses that are offered externally at
- approved/recognized educational institutions and identify those which you believe would be directly beneficial to further developing your knowledge and skills with a view to progressing your career in discussion with the CBH, appropriate course will be selected for your further educational enhancement.
Risk And Compliance – 25%
- Ensure compliance with all group and regulatory policies and laws.
- Ensure credit facilities are structured in compliance with group credit and other policies
- Achieve ARR rating of acceptable.
- Perform all other duties as reasonably assigned
JOB PROFILE
Experience
- At least 2-5 years sales experience in Credit Analysis, with good sales track record;
- Customer focused & results orientated;
- Good verbal and written communication skills in relevant languages to the accounts assigned;
- Ability to pull together various resources to sell and deliver customer solutions;
- Good organizational and time management skills are highly desirable;
- Result driven team player
Education
- Bachelor’s degree/ HND /Licence or related field of study.
- Personal Attributes
- Analytical with good knowledge of credit policies and procedures, prior experience in credit process.
- Teamwork and Cooperation
- Decision Making & Supervising
- Strong interpersonal, and communication skills.
Ecobank Cameroon is an equal opportunity employer and will not discriminate on the basis
of gender, religion, ethnicity, physical ability, etc…
NB: Only applications matching with the desired profile will be contacted.
Visit our website at www.ecobank.com
Please submit your CV and motivation letter to ECM-Recruit@ecobank.com latest March 18th, 2021 at 5pm prompt, with the subject « Credit Analyst, CIB »
NB: Ne donnez pas d’argent pour obtenir un emploi
- Rejoignez notre groupe WhatsApp sur https://bit.ly/3lqQEMZ
- Rejoindre notre groupe Télégramme sur https://bit.ly/3bv10a9
- Nos différentes pages sur les réseaux sociaux :
- Facebook : infos concours et éducations
- Instagram: infosconcourseducation
