ECOBANK CAMEROUN SA is recruiting

JOB PURPOSE
Operational credit support to Consumer Bank with full accountability for the credit analysis
process across the CSB portfolio
a Credit Analyst Consumer Loans,
ready to work across the national territory.
The position is based in Douala
Job Grade: 3C – Job Level: 4

KEY RESPONSIBILITIES
Credit Risk Management – ​​35%
Analysis of loan files and submission for approval.
Ensure optimal packaging of personal loans as to ensure quality assets growth.
Track Personal loans performance in terms of volumes growth and revenue growth while ensuring NPL
ratio is contained within the bank’s acceptable norm.
Leverage the value chain across all business segments to maximize asset and revenue growth.
Track production per staff (RM) targets to drive revenues.
Accountable for the review, structuring and approval of credit facilities (CA Package)
All information required to complete the CA is to be obtained timely for the Credit commentary and
analysis to be completed.

Responsible for all aspect of the credit analysis and the quality of the submission
Ensure that the credit quality and integrity of the Consumer Banking portfolio is maintained.
Follow up the booking of credit facilities with credit administration and Treasury Operations
All credit deterioration are to be advised immediately when knowledge of this comes to hand in order
to anticipate corrective action.
In liaison with the credit Administration Department, continuously monitor the portfolio risk in order to
ensure an acceptable portfolio risk rating.
Provide back-office support to relationship officers.
Proactively research market and client related aspects and communicate information obtained
through market intelligence reports etc., to pre-empt business risks and opportunities.
Responsible and accountable for all aspects of the bank’s lending relationship with customers.
Responsible for accuracy and completeness of information supplied to the bank on which decision
are taken.
Responsible for monitoring the credit performance of customers and assessing on a continuous basis
the customers condition dynamically whenever interim information is available and/or received.
Provide support to the core sales team for all field marketing activities.

KEY RESPONSIBILITIES
Customer Service – 25%
Timely processing of loans files within SLA to Achieve minimum customer service rating guarantee
quality customer service.
Regularly situate Relationship Managers on the status of files.
In conjunction with relationship officer, develop and maintain credible relationship with clients at
appropriate levels through reliable and proactive service delivery.
Self Development & Teaming – 15%
Share knowledge and best practice within the unit and with RMs as need be
Ensure effective and timely reporting for use by the business segments.
Remaining up to date on all bank credit policies, credit products, interest rates as well as economic
and social development in the environment
Risk & Compliance – 25%
Embed target market discipline and contribute to build a healthy loan portfolio that exceeds volume,
revenue and NPL standards of 3%.
Ensure compliance with KYC, AML, legal, regulatory, audits and any other governance requirements.
Comply with all the Group and Affiliate policies and procedures with regards to the Personal Loans
Product Programs
Perform all other duties as reasonably assigned
JOB PROFILE
Experience
At least 5 years related experience, with good sense of attention to detail.
Customer focused & results oriented.
Good verbal and written communication skills
Ability to pull together various resources to sell and deliver customer solutions.
Good organizational and time management skills are highly desirable.
Result driven team player.

JOB SCALE
Human Resources: N/A
Others: Frequently in interaction with RMS/Risk Managers/CSB Business Segments/CAD
JOB PROFILE
Education
Bachelor’s degree/ HND /Licence or related field of study.
Personal Attributes
Analytical with good knowledge of credit policies and procedures, prior experience
in credit process is a plus.
Teamwork and Cooperation
Decision Making & Supervising
Strong interpersonal, and communication skills

APPLICATION PROCESS
Please submit your CV and motivation letter to ECM-Recruit@ecobank.com,

latest March 16th, 2023 at 5pm prompt, with the subject “Credit Analyst”.
NB: Only applications matching with the desired profile will be contacted
Ecobank Cameroon is an equal opportunity employer and will not discriminate on the basis of gender, religion, ethnicity, physical ability, etc…
Warning: The Use of this title does not indicate any limitation on your duties or job function, and you may be assigned to different duties or
asked to carry out additional duties from time to time.
Visit our website at www.ecobank.com