About the job
- Evaluate the creditworthiness of loan applicants by analyzing financial data, assessing risks, and providing informed recommendations on credit facilities to ensure prudent lending decisions while reducing the bank's exposure to non-performing loans.
- Examine borrowers' financial statements, including balance sheets, income statements, and cash flow statements, to gauge their financial stability, sustainability, and overall health.
- Determine credit risk and assess the creditworthiness of individual, SME, and corporate clients by utilizing financial ratios, historical data, and industry benchmarks.
- Draft comprehensive credit appraisal reports and loan proposals that outline recommendations regarding facility type, amount, duration, pricing, and risk mitigants.
- Analyze the quality and adequacy of collateral offered, such as real estate, inventory, receivables, guarantees, and other acceptable securities.
- Conduct thorough industry and market analyses to identify sector trends, competitive dynamics, and potential risks affecting borrower performance.
- Perform customer due diligence by verifying client information, reviewing documentation, and occasionally participating in site visits.
- Utilize credit scoring and risk rating models to quantify borrower risk and advise on suitable credit limits and structuring.
- Continuously monitor the credit portfolio to manage exposures, identify early warning signals, and recommend timely risk mitigation or remedial actions.
- Ensure compliance with Access Bank Cameroon’s credit policy, COBAC/BEAC regulations, and internal control standards during all credit assessments and approvals.
- Present well-structured credit proposals to Credit Committees or relevant authorities, clearly explaining risks, mitigants, and justifications.