Our client is one of the committed financial services providers in the Ghanaian Banking industry. In order to maintain and consolidate its position, continues growth and delivery of quality services to its customers our clients is seeking outstanding, dynamic and proficient professionals to drive excellence in its, Risk, Corporate, Finance and Operations departments.

Title: Credit Analyst
Report to: Corporate Credit Officer

Summary of Job Purpose

The role holder will provide comprehension risk assessment and analysis supporting corporate lending. He/she will be responsible for data capture in risk models and systems for an initial credit evaluation and assessment.

Key Duties

•   Prepares and assists in preparing analyses and credit assessments, as well as reports for loan committees.
•   Participates in portfolio analyses, financial monitoring, industrial and sector analyses.
•   Approves credit within prescribed credit limits.
•   Performs statistical analyses to assess customer and portfolio performance
•   Checks draft documentation according to requirements specified by bank regulations for the provision of loans and bank guarantees.
•   Performs financial analyses and then evaluates the creditworthiness of clients (cash flow, cost analyses, and solvency analyses).
•   Makes recommendations to management based on detailed analysis.
•   Prepare reports that include the degree of risk involved in extending credit or lending money.
•   Evaluate customer records and recommend payment plans based on earnings, cash flows and purchasing activities.
•   Generate financial ratios, using computer programs, to evaluate customers' financial status.
•   Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
•   Deliver on additional tasks/responsibilities from the CRO or his designate as and when required.

Key Performance Measures

•   Financial
•   Customer
•   People
•   Governance, Risk And Control

Qualification Required & Experience

•   A minimum of first Degree in Finance/Banking/Business Administration
•   Minimum of two (2) years’ working experience in a risk management environment.
•   A strong track record in management and experience credit risk skills in a dynamic financial/banking institution is an added advantage.

SPECIFIC SKILLS

•   In-depth understanding of the application of the Bank of Ghana Basel II prudential guidelines.
•   Expertise in reviewing Loan Agreements and strong leadership skills in negotiating with business units and back office.
•   Ability to motivate teams and remain committed to achieve business results
•   Expertise in Microsoft office tools(MS Word, Excel, Power Point, Project, Outlook)
•   Excellent interpersonal skills, including oral/written communication and influencing skills
•   Ability to exercise own initiative and deliver to meet deadlines.

CORPORATE/BUSINESS AWARENESS

•   Knowledge of quantitative analysis is critical as the job entails massive analysis of data and therefore requires planning and organization of own work with minimum supervision.
•   A sound commercial knowledge of the business environment, and understanding of financial issues.
•   A good understanding of global banking business, trends and opportunities
•   Awareness of the statutory legislations, banking compliance standards, credit risk management, the Bank’s internal processes and their impact on analyzing departmental trends, performance and strategies.
Excellent team player and have the ability to communicate with work colleages effectively
•   Ability to analyse and resolve problems.
•   Excellent interpersonal skills
•   Passion for service excellence in the performance of duties assigned.
•   Strong organisational ability is essential.

SCOPE OF THINKING

•   Role requires modification of known solutions involving some situational analysis of facts within defined limits however, it may occasionally demand extensive research and analyses to arrive at reasonable solutions.

DEGREE OF DIFFICULTY

•   The job holder will be working in a predictable environment requiring the application of approved solutions
•   The job will require the ability to respond to changing work patterns, interruptions and meeting timelines.

AUTONOMY OF DECISION

•   Decision making is based on established procedures and following simple instructions to execute or perform routine tasks.

AREA OF INFLUENCE

•   Role is limited to area of work with no direct or indirect responsibility over any resource

Location: Accra

How To Apply For The Job

Interested applicants should please apply by 29 May 2015 through:

E-mail:- hr@kpmg.com.gh

Or

Post -  HR Advisory Services

KPMG
Marlin House
13 Yiyiwa Drive
Abelenkpe
P.O. Box P 242
Accra

Closing Date: 29 May, 2015