Senior Credit Analyst

Company Description

CalBank PLC is the most innovative Ghanaian Bank, providing world-class financial solutions to the Ghanaian banking sector since its inception in July 1990. It is one of the most preferred publicly listed banks, with well-documented oversubscription of its shares during various offerings. CalBank is poised to further transform the Ghanaian banking industry.

Role Purpose

The Senior Credit Analyst is responsible for appraising credit requests and supporting documentation from customers, making informed recommendations to management and approving authorities, and ensuring the department operates an efficient credit delivery system. The role involves risk assessment, credit structuring, and maintaining compliance with the bank’s credit policy.

Duties and Responsibilities

• Lead client engagements relating to credit requests.
• Appraise and process credit applications, providing professional recommendations.
• Submit credit applications for consideration and approval.
• Serve as liaison between clients, business teams, and other departments.
• Model risk-adjusted cash flows, specifically for debt amortization.
• Inspect and validate collaterals.
• Maintain accurate and up-to-date credit files for clients.
• Adhere to credit policy guidelines.
• Gather and analyze information (legal, financial, operational, market) to assess risk profiles of clients.
• Identify trends requiring amendments to credit policies and procedures.
• Prepare reports to supervisors and management on facilities pending approval.

Qualification and Experience

• Minimum of a Bachelor’s degree in Accounting, Finance, or a related field.
• Chartered Financial Analyst (CFA) certification is an added advantage.
• Minimum of five (5) years’ experience in a credit working environment.
• Excellent analytical, communication, and leadership skills.
• Proficiency in Microsoft Office (Word, Excel, PowerPoint).
• Strong knowledge of accounting, finance, and the financial system’s regulatory framework.
• Understanding of current economic issues and risk management principles.
• Ability to work independently, pay attention to detail, and meet tight deadlines.

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