SME Credit Analyst job at NCBA

Description

Job Purpose Statement

Support the Senior Manager, Credit Analysis & Approvals in providing dedicated, timely and independent SME credit analysis that supports prudent credit decisioning, SME turnaround time, sector led portfolio growth and effective management of credit risk within the Bank’s approved policies and risk appetite. The role entails SME credit origination of credit applications, to achieve profitable growth while maintaining credit risk within acceptable levels.

Key Accountabilities (Duties and Responsibilities)

Financial 25%

• Support SME portfolio growth through timely and prudent credit analysis.
• Minimise credit losses through assessment of repayment capacity, collateral adequacy and risk mitigants.
• Reduce PAR, NPLs and impairment risk through early warning identification, covenant tracking and portfolio monitoring.
• Promote efficient credit processing by reducing rework, improving application quality and supporting faster turnaround times.
• Ensure credit recommendations protect the Bank’s capital, earnings and asset quality while supporting sustainable SME growth.

Internal Business Processes 40%

• Conduct timely and independent SME credit analysis in line with Credit Risk Management Policy, risk appetite, delegated authority framework and regulatory requirements.
• Review SME credit applications for completeness, accuracy, financial strength, repayment capacity, cashflow viability and facility suitability.
• Evaluate sector-specific risks and cashflows across key SME sectors including education, health, real estate, manufacturing, trade, energy and business services.
• Support the 48-hour SME turnaround time through simplified templates, fast-track assessments and prompt escalation of gaps.
• Structure appropriate risk mitigants including collateral, guarantees, receivables assignments, insurance, repayment controls and covenant requirements.
• Prepare high-quality credit papers outlining borrower risk profile, facility purpose, repayment capacity, key risks, mitigants and approval conditions.
• Maintain strong maker-checker discipline by ensuring independence between analysis and approval and escalating policy exceptions appropriately.
• Monitor approved facilities through covenant tracking, excess monitoring, arrears reviews, renewals and post-disbursement follow-up.
• Support portfolio quality by identifying emerging risks, recommending remedial actions and contributing to portfolio reviews and watchlist reports.
• Maintain accurate records and audit trails for assessments, approvals, exceptions, covenants and monitoring actions.
• Collaborate with Business, Legal, Operations and Credit Administration to ensure facilities are properly structured, documented, disbursed and monitored.

Customer 15%

• Identify credit risk training needs for business stakeholders and support development and delivery of training programs.
• Achieve agreed customer satisfaction benchmarks.

Learning and Growth 20%

• Set and achieve individual and team development goals.
• Meet individual and team learning quota targets.

Job Specifications

Academic:

• Bachelor’s degree in Commerce, Business Administration, Finance, Accounting, Economics, Statistics, Banking, or any other business-related field from a recognized institution.
• Additional training in credit analysis, financial statement analysis, SME lending, risk management, cashflow lending, collateral evaluation, or sector-based lending will be desirable.

Professional:

• Professional qualification or part qualification in ACCA, CPA, CFA, Credit Management, Risk Management, Banking or Financial Analysis will be an added advantage.

• Support SME portfolio growth through timely and prudent credit analysis.
• Minimise credit losses through assessment of repayment capacity, collateral adequacy and risk mitigants.
• Reduce PAR, NPLs and impairment risk through early warning identification, covenant tracking and portfolio monitoring.
• Promote efficient credit processing by reducing rework, improving application quality and supporting faster turnaround times.
• Ensure credit recommendations protect the Bank’s capital, earnings and asset quality while supporting sustainable SME growth.
• Conduct timely and independent SME credit analysis in line with Credit Risk Management Policy, risk appetite, delegated authority framework and regulatory requirements.
• Review SME credit applications for completeness, accuracy, financial strength, repayment capacity, cashflow viability and facility suitability.
• Evaluate sector-specific risks and cashflows across key SME sectors including education, health, real estate, manufacturing, trade, energy and business services.
• Support the 48-hour SME turnaround time through simplified templates, fast-track assessments and prompt escalation of gaps.
• Structure appropriate risk mitigants including collateral, guarantees, receivables assignments, insurance, repayment controls and covenant requirements.
• Prepare high-quality credit papers outlining borrower risk profile, facility purpose, repayment capacity, key risks, mitigants and approval conditions.
• Maintain strong maker-checker discipline by ensuring independence between analysis and approval and escalating policy exceptions appropriately.
• Monitor approved facilities through covenant tracking, excess monitoring, arrears reviews, renewals and post-disbursement follow-up.
• Support portfolio quality by identifying emerging risks, recommending remedial actions and contributing to portfolio reviews and watchlist reports.
• Maintain accurate records and audit trails for assessments, approvals, exceptions, covenants and monitoring actions.
• Collaborate with Business, Legal, Operations and Credit Administration to ensure facilities are properly structured, documented, disbursed and monitored.
• Identify credit risk training needs for business stakeholders and support development and delivery of training programs.
• Achieve agreed customer satisfaction benchmarks.
• Set and achieve individual and team development goals.
• Meet individual and team learning quota targets.

• Bachelor’s degree in Commerce, Business Administration, Finance, Accounting, Economics, Statistics, Banking, or any other business-related field from a recognized institution.
• Additional training in credit analysis, financial statement analysis, SME lending, risk management, cashflow lending, collateral evaluation, or sector-based lending will be desirable.
• Professional qualification or part qualification in ACCA, CPA, CFA, Credit Management, Risk Management, Banking or Financial Analysis will be an added advantage.