Credit Analyst

Job Summary

• The Credit Analyst is responsible for activities related to credit analysis and appraisal in the District Office. These include identifying, mitigating factors for credit risk(s); making in-depth credit analysis and appraisal using appropriate analysis techniques; and ensuring that the findings of the analysis are true and correct as per the Bank’s policies and procedures.

Academic and Professional Qualifications

• Bachelor Degree in Business Administration, Economics, Accounting, Management, Banking, Finance or other related fields.

Experience

• At least five (5) years’ experience as a Loan Officer in banking industry.

Technical Competencies

• Working knowledge of provisioning for loan losses and the Bank’s regulatory provisioning policies and requirements.
• Expert knowledge of loan workout and recovery processes and strong knowledge of lending principles in the commercial business market.
• Solid understanding of lending procedures and credit reporting agencies
• Proficient in reading / interpreting financial statements for the purpose of underwriting credit.
• In-depth knowledge of credit scoring and financial services products.
• Knowledge of policies, rules, regulations and directives related to the financial sector.
• Sound knowledge of macroeconomic and microeconomic environment.

Behavioral Competencies

• Interpersonal and cross-cultural skills, including ability to build collaborative relationships with sensitivity to diversity/inclusion.
• Creativity and innovation skills.
• Action oriented.
• Quality focus and attention to detail.
• Professionalism and integrity in line with Dashen Bank values.
• Good oral and written communication skills.
• Critical and analytical thinking and problem solving skills.
• Personal motivation and drive exhibited through commitment to hard work, continuous improvement and achievement of goals.
• Good customer relationship management skills (internal and external customers).
• Risk awareness and focus - demonstrates understanding of risk management practices, standards and regulatory requirements.

Place Of Work

• Dire Dawa District

Skills Required:

• Accounting / Finance
• Economics / Statistics
• Sales / Marketing / Business / Management