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Business Analyst Sme at CRDB Bank
Department
DEPARTMENT OF RETAIL BANKING
Job Purpose
To help businesses implement solutions in a cost-effective way by determining the requirements of a project and communicate them clearly to stakeholders. In this regard, they shall analyze and appraise customer business/project and advice on the appropriate credit terms in accordance to credit policy and procedures. The Business Analyst is responsible for optimizing the credit underwriting process, ensuring efficient and high-quality appraisal of credit applications. This role involves improvement of approval rates and enhance the quality of the loan book by focusing on performing loans, driven by the quality of appraisals. The Business Analyst works to expedite decision-making and provides advice on credit structuring while maintaining strict adherence to credit policies.
Recommended:
Principle Responsibilities
- CREDIT UNDERWRITING FUNCTIONS:
i. Receive and review of Credit Applications submitted by Business Unit/branch, identify missing information and demand submission of the same in line with credit policies and procedures.
ii. Prepare quality and standard credit appraisal report as per prescribed loan limit and appraisal format.
iii. Advise business team on structuring of credit facilities according to nature of business and cash flows seasonality.
iv. Attend and address all issues raised by Credit Department in collaboration with business team/branch without compromising with the bank credit policies and procedures.
v. On case-to-case basis, visiting customer business/project and security jointly to enhance knowledge of business being appraised.
- CONTROL & REPORTING FUNCTIONS:
i. Maintain database and prepare periodic reports (as may be required by management) on applications and decisions made to ensure proper tracking.
- CAPACITY BUILDING FUNCTIONS:
i. Together with business Team/Credit department, Business analyst can support in capacity building to BCC members to ensure their performance is aligned with business goals and objectives.
- PROCEDURE REVIEW FUNCTIONS:
i. Review credit policy and manual
In collaboration with Credit Department, Business Analyst will participate on the review of the Credit Policy and Credit Manual to incorporate new developments in the lending, operating, business and regulatory environment in the Credit Policy and Credit Manual while ensuring that credit risk management is well captured.
ii. Development of credit products
To participate in the development of SME credit products based on identified customer needs in comparison to existing products.
CRDB Commitment
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CRDB Bank is dedicated to upholding Sustainability and ESG practices and encourage applicants who share this commitment. The Bank also promotes an inclusive workplace, hence applications from women and individual with disabilities are encouraged.
It is important to note that CRDB Bank does not charge any fees for the application or recruitment process, and any requests for payment should be disregarded as they do not represent the bank’s practices.
Only Shortlisted Candidates will be Contacted.
How to Apply:
To submit your application, please follow the link provided below.