District credit Analyst

District credit Analyst

Duty Station: Addis Ababa

DB/ Vacancy-0074/23

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 & Professional Qualification

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

Experience

• At least five (5) years’ banking experience of which at least two (2) years in credit area.

Behavioral Competency

•  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.

Required Technical Competency

•  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.