RECRUITMENT : INTERNAL & EXTERNAL  – ECOBANK Cameroun S.A.

ECOBANK Cameroun S.A. is recruiting a Credit Analyst in the CIB Department, ready to work across the national territory. The position is based in Douala. Job level: 6                     Job grade: 3A

I.  JOB PURPOSE

    Operational credit support to Corporate Bank with full accountability for the credit analyst process across client portfolios

 

 

 

II. KEY RESPONSABILITIES

CREDIT MANAGEMENT – 35%
•        Accountable for the review, structuring and approval of credit facilities (CA Package-Spread, BIR, MAP CA Face, RAAC, Checklists, Documentation, CA remarks, CCM; CLMRs) together with the credit centers to ensure appropriate credit decision taken.
•    All information required to complete the CA is to be obtained timely for the Credit commentary and analysis to be completed.
•    All CA’s falling due within the period are to be submitted by the 15th of the month in which they are due.   You are responsible for ensuring the timely submission.
•    You will be directly responsible for all aspect of the credit analysis and the quality of the submission.
•    You are required to ensure that the credit quality and integrity of your portfolio is maintained.
•    To monitor the booking of credit facilities with credit administration
•    All credit deteriorations are to be advised immediately when knowledge of this comes to hand to protect the bank interests.
•    Responsible for credit related advice and guidance on the corporate business.
•    Review corporate bank portfolio and ensure that a maximum NPL of 3% of portfolio and 1% of portfolio revenues is maintained.

 

 

 

•    In liaison with the relationship officer and credit Administration Department, continuously monitor the portfolio risk 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.
•    Pay regular visit to customers with sales officers (existing and prospects) and promptly document such visits to record pertinent information.

 

 

CUSTOMER SERVICE – 25%
•    Achieve minimum customer service rating of very satisfied in terms of turnaround time in submission of credit application for approval.
•    In conjunction with relationship officer, develop and maintain credible relationship with clients at appropriate levels through reliable, proactive service delivery and the application of specialist.

SELF DEVELOPMENT & TEAMING – 15%
•        Remaining up to date on all bank credit policies, credit products, FX, interest rates as well as economic and social development in the environment
•    Provide cover for other credit analyst in case of absence or workload.
•    You are required to avail yourself of the considerable web-based training that is accessible on the ECOBANK intranet site to enhance your knowledge and skills on products and services offered by the bank.
•    You are to demonstrate by way of certificate that you have completed at least 01 meaningful product or risk training per quarter.
•    You are required to appraise yourself of the various courses that are offered externally at approved/recognized educational institutions and identify those which you believe would be directly beneficial to further developing your knowledge and skills with a view to progressing your career in discussion with the Corporate Bank Head, appropriate course will be selected for your further educational enhancement.

RISK AND COMPLIANCE – 25%
•    Ensure compliance with all group and regulatory policies and laws.
•    Ensure credit facilities are structured in compliance with group credit and other policies.
•    Achieve ARR rating of acceptable.
•    Perform all other duties as reasonably assigned

III. JOB SCALE

Human Resources:
N/A
Others:    Frequently in interaction with LAMS/RAMs/GAMs.

IV. JOB PROFILE

Experience    
•    At least 1-3 years sales experience in Credit Analysis, with good sales track record.
•    Customer focused & results oriented.
•    Good verbal and written communication skills in relevant languages to the accounts assigned.
•    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.
Education
•    Bachelor’s degree/ HND /License or related field of study (minimum).
Personal Attributes    •    Analytical with good knowledge of credit policies and procedures, prior experience in credit process.
•    Teamwork and Cooperation
•    Decision Making & Supervising
•    Strong interpersonal, and communication skills

V. APPLICATION PROCESS:

Please submit your CV and motivation letter to ECM-Recruit@ecobank.com  latest August 14th, 2023, at 5pm prompt, with the subject « Credit Analyst, CIB »

NB: Only applications matching with the desired profile will be contacted.

Ecobank is an equal opportunity employer and will not discriminate on the basis of gender, religion, ethnicity, physical ability, etc.