Credit Analyst (1 Position)
Reporting to the Head- Retail Credit Origination, the role holder will be responsible for evaluating the creditworthiness of retail customers, conducting financial assessments, preparing credit reports, and providing recommendations to support the bank’s lending decisions. The role is key in minimizing risk and maintaining a profitable loan portfolio, while advising on policy and process improvements to enhance agility and meet evolving customer demands.
Duty Station: Head Office
KEY ACCOUNTABILITIES:
- Analyze and prepare credible credit proposals with the result of getting quick approval from the credit approval team and manage customer expectations.
- Propose appropriate structure and the financing need and pricing for the different credit applications and advise the relationship managers and customers accordingly to ensure that it meets set standards and complies with the credit policy.
- Timely submission of required documents to credit and legal departments to have fast turnaround time, compliance with internal controls as per credit approval criteria detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries.
- Make physical visits, inspect, and confirm the existence of the business for proposed credit facilities to ensure that customer business is in line with the bank’s acceptable credit risk appetite.
- Review existing credit facilities on an annual basis, make necessary propositions like renewals, restructures, to minimize arrears and avert likely NPA while ensuring customer retention, revenue stability and identify new business.
- Maintain annual credit review calendar and prompt relationship managers to obtain the necessary information for reviews of credit facilities.
- Review client’s compliance to set covenants and conditions at facility approval.
Proper pricing of credit applications and reviews ensure full collection of fees and commissions for growing the revenue line.
KNOWLEDGE, SKILLS, AND EXPERIENCE REQUIRED:
- A Degree (Business Studies, Management, Economics).
- Credit analysis and underwriting training.
- 2 years’ working experience in credit analysis in banking industry or any related field.
- Advanced credit analysis skills – interpretation of financial information.
- Have a thorough understanding of bank products and general knowledge on current trends in the market.
- Quality underwriting skills.
- Customer service/centric skills.
- Excellent communication skills – both written and oral.
- Forecasting and business modelling.
- Computer competence.
- Good negotiation skills.
- Good interpersonal skills.
- Ability to manage time and pressure effectively to ensure no loss of efficiency.
- Good presentation and communication skills.
- Organized and efficient i.e., goal and task oriented to complete multiple priorities and with the dynamic demands of the different teams in relationship management, credit sanctioning, disbursement, legal etc.
- Excellent communication skills and ability to deal with clients directly.
- Ability to keep abreast of changes in the market, customer requirements, competitors’ responses, and the bank’s ability to use information to identify new business opportunities and threats.
- Ability to identify new business /products on the market, opportunities, and threats in order to carry out a comprehensive credit analysis.
- Good interpersonal skills – ability to quickly build rapport with new people.
- Have a thorough understanding of bank products and general knowledge of current trends in the market.
INVITATION
If you believe you meet the requirements as noted above, please use the link below to apply.
Vacanciesbank@dfcugroup.com
Once there, click on “Career Opportunities” to get started. (We recommend using Google Chrome for the best experience.)
Deadline: Saturday 30th May 2026
Only short-listed candidates will be contacted. Please note that all recruitment terms and conditions as stated in the HR Policies and Procedures Manual shall apply.
