Recrutement Ecobank: Credit Analyst Consumer Loans

ECOBANK CAMEROUN S.A. is recruiting a Credit Analyst Consumer Loans ready to work across the national territory. 

The position is based in Douala
Job Grade : 3C – Job Level : 4

JOB PURPOSE:

Operational credit support to Consumer Bank with full accountability for the credit analysis
process across the CSB portfolio

KEY RESPONSABILITIES

Credit Risk Management – 35%

• • Analysis of loan files and submission for approval.
  • Ensure optimal packaging of personal loans as to ensure quality assets growth.
  • Track Personal loans performance in terms of volumes growth and revenue growth while ensuring NPLratio is contained within the bank’s acceptable norm.

• Leverage the value chain across all business segments to maximise asset and revenue growth.
• Track production per staff (RM) targets to drive revenues.
• Accountable for the review, structuring and approval of credit facilities (CA Package)
• All information required to complete the CA is to be obtained timely for the Credit commentary and analysis to be completed.
• Responsible for all aspect of the credit analysis and the quality of the submission
• Ensure that the credit quality and integrity of the Consumer Banking portfolio is maintained.
• Follow up the booking of credit facilities with credit administration and Treasury Operations
• All credit deterioration are to be advised immediately when knowledge of this comes to hand in order to anticipate corrective action.
• In liaison with 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 intelligence 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.
• Provide support to the core sales team for all field marketing activities.

Customer Service – 25%

• Timely processing of loans files within SLA to Achieve minimum customer service rating guarantee quality customer service.
• Regularly situate Relationship Managers on the status of files.
• In conjunction with relationship officer, develop and maintain credible relationship with clients at appropriate levels through reliable and proactive service delivery.

Self Development & Teaming – 15%

• Share knowledge and best practice within the unit and with RMs as need be
• Ensure effective and timely reporting for use by the business segments.
• Remaining up to date on all bank credit policies, credit products, interest rates as well as economic and social development in the environment 

Risk & Compliance – 25%

• Embed target market discipline and contribute to build a healthy loan portfolio that exceeds volume, revenue and NPL standards of 3%.
• Ensure compliance with KYC, AML, legal, regulatory, audits and any other governance requirements.
• Comply with all the Group and Affiliate policies and procedures with regards to the Personal Loans
• Product Programs
• Perform all other duties as reasonably assigned

JOB SCALE