Manager, CBD – Credit Analysis

Job purpose:Manage &/ perform the process of in-depth assessment of the financial position and performance of the customers based on their financials to support credit appraisal / review across CBD.
GENERIC ACCOUNTABILITIES

• People Management Manage, motivate and develop individual employees and the team in line with people policies & practices. Communicate operational procedures.
• Corporate Governance and Compliance Work fully within risk policies and procedures and compliance regulations and ensure all divisional activities comply with corporate governance & regulatory/legal frameworks

ACCOUNTABILITIES

• Managing CAU: Drive the smooth and effective conduct of the activities of the Credit Analysis Unit below specified Limits.
• Financial Analysis: Analysing and interpreting the financials of new / existing customers to support informed decision making Credit applications Support the credit application process, conforming with CBK standards, by making available financial analysis reports
• Credit committee: Support the credit review process by providing credit committees with adequate information on the reported financials of the  customers
• Credit expertise: Provide expertise in financial review and ensure independent opinion of customers based on their financial.
•  Information gathering & Processing: Manage information gathering and effective processing within the unit to support quality analysis
• Engage with business units to gather clarifications/ additional details on any vague areas identified in the financials
• Risk assessments Support risk assessment by interpreting and analysing the financials of the customers 

Job success factors

• Effective financial analysis and assessment
• High quality submissions to credit committees
• Effective information gathering and interpretation                           
• High quality support across CBD
• Consistent, high quality service and support