Business Analyst - SME (2 Positions)Expiring Soon!

• Prepare SME credit proposals in line with the Bank's credit policy to obtain quick approval from the Credit department and manage customer expectations
• Liaise with Collection Executives and RMs to obtain necessary information for annual credit reviews of big-ticket credits
• Carry out appropriate deal structuring and review/sign off work to ensure it meets set standards and complies with credit policy
• Ensure proper pricing on a revenue/expense basis and full collection of fees and commissions while growing the revenue line
• Handle all aspects of credit application including structuring, documentation, and risk management
• Advise the RM on additional income that can be derived from customers through analysis of customer information and accounts
• Prepare appropriate memos for facility extension and restructuring as and when required
• Follow up on facility documentation to ensure approved terms and conditions are well captured before documents are forwarded to the client
• Monitor credit quality of the portfolio for risk recognition and assign proper risk ratings for each relationship
• Develop marketing plans to identify SME relationships within the Bank's targeted segments or sectors
• Maintain credit files and ensure credit related documents are properly documented
• Support Relationship Managers in on-boarding new SME relationships and implementing account plans for high value relationships
• Ensure high level of customer satisfaction within the assigned portfolio of BIB customers and follow up portfolio quality to avoid direct credit losses
• Resolve customer account issues that require analysis in a timely manner; keep abreast of marketplace changes
• Carry out industry studies and financial analyses of segment customers to support productive sales performance
• Prepare credit packages, proposals and board papers as required from time to time

Qualifications & Experience:

• A good bachelor's degree in Accounting, Finance, Commerce, Quantitative Economics, Business Administration, Statistics or a related field
• Additional training or professional qualification in Business and project appraisal, Risk management, or financial analysis is an added advantage
• Minimum of 5 years' experience in a financial services environment with at least 2 in a Credit Risk Management environment
• Credit certification will be an added advantage
• Understanding of company financial statements (P&L and Balance Sheet)

Skills & Competencies:

• Analytical and problem-solving skills; awareness of business issues and current economic/market trends
• Computer knowledge, especially working spreadsheets, PowerPoint and word processors
• Results-oriented with independent and sound judgment; self-driven and able to work efficiently under pressure
• Good interpersonal, written, verbal and telephone communication skills
• Organized and efficient, able to complete multiple priorities with the dynamic demands of relationship management, credit evaluation, operations and legal teams
• Ability to identify new business/products in the market, opportunities and threats to carry out comprehensive credit analysis