More Information
- Industry Banking
- Company Phone +248 4293 000
- Contact Person Head of Human Resources
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Position: Senior Credit Officer
Responsible to: Head of Department
Job Description
Job Summary:
Responsible for credit evaluation and processing of loan applications ensuring compliance with credit policies and guidelines. Analyse financial information, assess credit risk, and make recommendation for credit decisions. Monitor existing loan portfolios and identify potential credit issues.
Key Responsibilities:
- Evaluate credit worthiness of loan applicants by reviewing financial statements, credit reports, and other relevant information;
- Analyse credit data and financial statements to determine the level of credit risk associated with each loan application;
- Make recommendations on credit approval or denials based on the credit analysis and risk;
- Ensure compliance with the Bank’s credit policies and regulatory requirements;
- Prepare credit reports and documentation for management review and decision-making;
- Develop and maintain relationships with clients to better understand their financial situations and needs;
- Monitor and assess the performance of existing loan portfolios to identify potential credit issues and take appropriate actions;
- Perform visits to borrower’s project as needed and prepare revision proposals for approval;
- Collaborate with other Divisions/Departments, such as Risk Management, Treasury Management, Customer Service, Legal and Complaints, and Branch Offices, to facilitate the loan approval process;
- Provide guidance and support to Credit Officers and junior staff in the Department;
- Maintain up-to-date knowledge on industry trends, market conditions, and regulatory changes that may impact credit decisions;
- Management of IFRS9 Expected Credit Loss.
Benefits
Remuneration
Salary will be based on qualifications and experience.
Requirements
Qualifications and Experience
- Bachelor’s Degree in Banking and Finance, Accounting, Business Administration, ACCA or equivalent in a related field. Relevant work experience in credit analysis or lending in banking or a financial institution will be an advantage; or
- 5 years satisfactory experience as a Credit Officer, plus achievement of a relevant professional Commercial Banking qualification.
Key Competencies
- Strong analytical and quantitative skills
- Solid understanding of credit risk management principles and practices
- Excellent report writing skills
- Excellent communication and interpersonal skills
- Ability to work effectively in a team environment
- Proficiency in Microsoft Office suite with excellent excel skills
How To Apply
Interested candidate(s) are requested to Sign-up or login to apply now or should apply by submitting letter of application, curriculum vitae and certificates to Chief Human Resource Officer, by email: careers@nouvobanq.sc.
Call us on: +248 429 3000
Visit our website: www.nouvobanq.sc
Nouvobanq reserves the right to contact only shortlisted candidates for interview.
Closing Date: 11th April 2025
Note:
In order to increase your chances of a successful selection, kindly ensure that your application is complete and that all relevant information such as your qualifications have been provided with your application. Otherwise, the Employer reserves the right not to consider your application for selection.
