CORPORATE CREDIT ANALYST

Responsibities
 Assessed Corporate, Financial Institutions, Public Sector,
Commercial, Specialised/Project Finance within the limits of
the MD/CEO or Executive Credit Committee or Board Credit
& Risk Management Committee and Board of Directors as
spelt out in the Credit Empowerment /Approval Framework
 Appraise all loan proposals both new and renewals by
conducts quality assessment of customers and assigning risk
grades.
 Analysing all product programs to ensure that all risks are
identified, properly mitigated and that these programs are in
line with the bank’s policies endorses where applicable and
delivers documents to drawer as per covering letter
requirement.
 Appraise of non-funded (off balance sheet) credit
applications the like of Advance payments Guarantee(APG),
Bank Guarantee, Performance Guarantee, Letter of
Credit(LC) and IPC discounting, Invoice discounting.
 Contribute to credit presentations/ submissions in the bank
by ensuring credit appraisal memo packages are complete
and accurate.
 Trainings sessions designed to enhance the credit skills and
knowledge of relationship officers
 Facilitating the automation of all aspects of the credit
approval process as it relates to commercial and corporate
lending
 Collecting relevant information needed in the analysis of the
trends in the target markets and counter-parties and the
rating of industries, products etc. within assigned area.
 Balance business opportunity within UBA’S Risk appetite
 Facilitate relationship with key stakeholders within a bank
and key regulators, internal audit and control functions.
 Using the Moody’s and other financial analysis models to
determine borrower rating.
 Doing any other task as may be directed by the Head of
Unit

Responsibilities
 Develop the Private banking customer base and expand the
unit’s business growth through marketing of the Personal
banking products and services.
 Achieve Growth and attain sales targets by successfully
managing employer relationships/private.
 Implementing strategy business plan that expands company
customer base and ensures its strong presence in the market.
 Credit appraisals and recommendation for existing and
prospective customers submit to the appropriate final
approval
 Ensure business performance is in the line with agreed
weekly, monthly and annual Targets.
 Managing on boarding process for both employer and
employee in the line with company policy and procedures.
 Managing business relationships that include TAT, Portfolio
performance, and quality of the loan.
 Build and promote strong long-lasting customer relationship
by partnering with them and understand their needs.
 Identifying emerging markets and being fully aware of new
product and competition status

Actively selling SME deposits, lending and cross selling of other
banks products (Forex, Fund Transfer, Internet Banking etc.)
 Appraise SME credit applications above the SME Business
Banker limit from branches and provide recommendations for
decision making
 Take a leading role in driving SME activities, through
networking and promoting SME activity with SME Business
Bankers and branch managers.
 Actively build the capacity of the SME Business Bankers
through on-going mentoring and support in order to ensure
quality credit application and Business Growth.
 Monitor and review the SME Business Bankers performance to
ensure that the targets are met.
 Review with SME Business Bankers client feedback, market
intelligence, workshops/focus group reports and review
product design and performance to establish if change,
redesign or re-launch is appropriate.
 Co-ordinate budget objectives of the responsibility area on
the SME products to ensure targets are achieved as per
approved budget.
 Ensure that customer satisfaction for the SME segment is
achieved by providing accurate advice for selling in line with
customers’ expectations.
 Preparing budget and projections for the SME loan and
deposit products. The budget to include the list of existing,
prospective, and potential customers to benefit from the loan
and deposit products.
 To capture loan deduction to the government Lawson systems
for public institutional customers.
 Sales and promotion of public sector loan scheme, sign MOU
with a private company for employee salary loan.

Key Responsibilities
I. Apply the company’s credit and collection policies and
procedures to designated accounts within assigned division
sales territories and discuss circumstances beyond
established policies.
II. Submit credit approval requests to Management Credit
Committee
III. Establish and update information on new and existing
accounts.
IV. Carry out an established program for the follow-up and
collection of accounts receivable including regular account
status reviews with credit manager to assure that accounts
receivables are within established guidelines, and following
accounts closely to determine when action is needed to
prevent unnecessary risks; work closely with sales personnel on
the status of accounts.
V. Prepare customer account status and write-off reports for
approval and forward to agencies for final resolution as
approved; prepare month-end adjustments to reconcile
activity to assigned accounts.
VI. Initiate contact and maintain harmonious relationships with
customers and credit information vendors.
VII. To ensure appraisal of loans lead to high quality of the loan
portfolio
VIII. Regularly review the loan portfolio status and recommends
appropriate measures to be taken.

Key Responsibilities
 Evaluate, authorize, or recommend approval of
commercial loan
 Risk management by conduct analysis of client’s
payment capacity and evaluate risk before
committee.
 Reviews credit data to evaluate commercial loan
requests in order to approve or deny applications.
 Analyse sources of financial information, such as
financial statements, credit bureau reports and cash
flows to determine potential risk and profitability of
loan.
 To ensure each loan is disbursed in compliance with
company lending policies and methodology.
 To prepare checklist/requirement criteria of the
information to be attached with loan applications
from credit officers
 Record keeping by compile credit file and all
necessary documents handover to back office for
loan processing

Key Responsibilities
 Main duty is Assessing the creditworthiness of a borrower
 Conduct thorough analysis of financial statements and
assessment of credit requests, including new requests,
changed requests, refinancing and annual due diligence
 Provide recommendations tied to analysis and assessment
of credit risk
 Present analysis, findings, and recommendations to
managers, especially findings that involve a borrower’s
ability to repay
 Keep up to date with the company’s lending protocols
 Reconcile credit files and identify discrepancies and
variances
 Develop and prepare spreadsheets and models to support
analysis of new and existing credit application.