The jobholder is primarily responsible for the preparation of quality credit applications in conjunction with the various BKB divisions and subsidiaries for submission to the relevant mandate holder for approval. As a credit specialist the jobholder will also be responsible to pro-actively manage the risk profile of the credit portfolio. The jobholder will also be responsible for client visits with the various BKB divisions and subsidiaries to establish client needs and to obtain the appropriate information to enable the preparation of a credit application.
QUALIFICATIONS, EXPERIENCE, KNOWLEDGE:
B degree in Agricultural Economics
Minimum of 5 years’ relevant work experience
SKILLS AND COMPETENCIES:
Excellent analytical and problem-solving skills
High level negotiation skills
Strong attention to detail and accuracy
Exceptional communication and interpersonal skills
Ability to work independently and as part of a team
High level of integrity and ethical standards
KEY RESPONSIBILITIES:
Overall responsible for the credit process from receiving of application to fulfilment
Preparation of credit applications and the compilation of executive summaries for new facilities and extensions/amendments to existing facilities
Conduct risk assessments of the credit portfolio
Develop and maintain strong relationships with clients during all client interactions
Stay updated on industry trends, financial regulations, and credit products to provide accurate advice.
Provide training to staff relating to critical credit processes.