Senior credit analyst – douala
Date limite de l'offre: lundi 28 juillet 2025 11:31de :
ECOBANK CAMEROUN S.A
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Description du poste
Description
ECOBANK CAMEROON S.Ais recruiting aSenior Credit Analyst,CIB Departmentready to work across the national territory.
The position is based in Douda.
JOB LEVEL: 8
JOBGRADE: 4B
Missions / Responsabilités / Activités
JOB PURPOSE
Operational credit support to Corporate Bank with full accountability for the credit analyst process across client portfolios
KEY RESPONSIBILITIES
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 in order 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.
II. KEY RESPONSIBILITIES
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.
- 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.
- Lead the credit Analyst team and organize the 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 CBH, appropriate course will be selected for your further educational enhancement
- 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, FCR, rating of acceptable.
- Perform all other duties as reasonably assigned.
JOB SCALE
Reporting to: Head Corporate Banking, Cameroon & Regional Client Coverage CESA francophone
Compétences / Exigences / Qualités
Experience
- At least 3–5 years sales experience in Credit Analysis, with good sales track record.
- Customer focused & results orientated.
- 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.
- Minimum bachelor’s degree/ HND / Licence in Accountability, Finance or Economy or related field of study.
- 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
Profil du candidat
» Niveau d'expérience: Expérimenté
» Années d'expérience: Entre 3 ans et 5 ans
» Niveau Académique Minimum: Licence
» Années d'expérience: Entre 3 ans et 5 ans
» Niveau Académique Minimum: Licence
Documents de candidature
» motivation letter
» Curriculum Vitae
» Curriculum Vitae
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