New Jobs at CRDB Bank

Business Analyst Sme at CRDB Bank 

Department

DEPARTMENT OF RETAIL BANKING

Job Purpose

To help businesses implement solutions in a cost-effective way by determining the requirements of a project and communicate them clearly to stakeholders. In this regard, they shall analyze and appraise customer business/project and advice on the appropriate credit terms in accordance to credit policy and procedures. The Business Analyst is responsible for optimizing the credit underwriting process, ensuring efficient and high-quality appraisal of credit applications. This role involves improvement of approval rates and enhance the quality of the loan book by focusing on performing loans, driven by the quality of appraisals. The Business Analyst works to expedite decision-making and provides advice on credit structuring while maintaining strict adherence to credit policies.

Principle Responsibilities

• CREDIT UNDERWRITING FUNCTIONS:

i. Receive and review of Credit Applications submitted by Business Unit/branch, identify missing information and demand submission of the same in line with credit policies and procedures.

ii. Prepare quality and standard credit appraisal report as per prescribed loan limit and appraisal format.

iii. Advise business team on structuring of credit facilities according to nature of business and cash flows seasonality.

iv. Attend and address all issues raised by Credit Department in collaboration with business team/branch without compromising with the bank credit policies and procedures.

v. On case-to-case basis, visiting customer business/project and security jointly to enhance knowledge of business being appraised.

• CONTROL & REPORTING FUNCTIONS:

i. Maintain database and prepare periodic reports (as may be required by management) on applications and decisions made to ensure proper tracking.

• CAPACITY BUILDING FUNCTIONS:

i. Together with business Team/Credit department, Business analyst can support in capacity building to BCC members to ensure their performance is aligned with business goals and objectives.

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