1. Background Information

Job Title:  Credit Analyst

Job Grade: 6

Department: Credit

Reports to: Manager, Credit Risk

2. Purpose of the Job:

Under the direct supervision of the Credit Risk Manager, the Credit Analyst will be part of the credit risk management team and is responsible for identifying, assessing, and measuring credit risks for projects submitted for risk assessment and ensuring appropriate risk controls and responses are developed, in relation to the credit/loan requests for BRD funding.

3. Main Responsibilities of the Job:

• Analyze and assess the financial statements and credit history of existing and new clients.
• Review credit applications and perform credit checks.
• Structure deals and perform risk assessments.
• Make informed decisions backed by sound assessment.
• Produce risk assessment reports for projects to advise the Management on the decision of financing, based on the risks identified and Credit rating of the project.
• Propose risk-adjusted pricing for credits to be approved based on risks identified and rating of the project.
• Perform qualitative data analysis using available analytical techniques, tools, models, simulation, etc.
• Interpret results of analysis, present recommendations, alternatives and implications.
• Collaborate in structing new credit products and Bank’s special funds.
• Participate in project deal forum and project site visits.
• Prepare/collaborate on presentations, reports and capture key credit risk elements for trend analysis as a loss control measure.
• Gather, analyze and synthesize quantitative and qualitative data of credit proposal  or industry /sector trends to determine and promote data driven business decisions.
• Provide ad-hoc reporting and analysis of data with the ability to demonstrate significant changes.
• Familiarity with factors driving performance of industry and trends in Bank’s sectors of intervention
• Review reports and performance trends on a monthly and quarterly basis with the loan recovery, Administration and monitoring teams.
• Support in the development of documents related to credit risk management such as policies and procedures.
• Support in knowledge sharing on matters related to credit risks for projects financing and mitigation measures.
• Perform periodic risk control self-assessment for the credit risk analysis process.

4. Performance Indicators

• Number and quality of risk assessment reports done for projects to be financed.
• Turnaround time work sheet for credit risk projects handled by the credit risk unit.
• Number of Key project site visits and reports as allocated
• Number of key deal forum discussions participated in as allocated by the supervisor.
• Submission of daily, weekly, and monthly credit risk assessment reports to the immediate supervisor
• Collect information relating to restructured projects allocated and submit for analysis on monthly basis
• Submitted proposals on suitable tools identified and suitable for credit risk improvement
• Participation in periodic knowledge sharing sessions. through research papers related to the business activities and updating of credit risk register.

5. Working Relationships

• Credit operations & reporting Unit.
• Business development department.
• Credit Monitoring unit.
• Work out & recovery unit.
• Human Resource departments.
• Department of Company Secretary and General Counsel.
• Risk department.
• Finance department. 

6. Professional, academic qualifications and experience

• Bachelor’s degree in finance, Economics, Banking, statistics, Mathematics. Actuarial Science or related discipline.
• At least 3 years’ experience in banking or financial services organization in a similar role
• A Professional qualification in risk management, project finance or project management is a competitive advantage.
• An understanding of project management is an added advantage

7. Core competencies

Given the analytical nature of the role, the successful candidate will be highly numerate with the following experience and skills:

• Working knowledge and experience in credit analysis. Working knowledge of banking laws and regulation in Rwanda.
• Solid understanding of the credit appraisal process and project finance.
• High level of accuracy in the evaluating of financial records and documents.
• Strong understanding of Credit risk analysis and policies.
• Knowledge of credit risk management and measurement practices.
• Must possess effective research, analytical and problem-solving skills.
• Proficiency with a variety of computer software applications, including MS Word, Excel, Power Point, use of analytical tools and financial modeling.
• Extensive analytical skills as well as problem identification and solving skills.
• Good judgement and mental agility, Critical thinking. Results orientated, Attention to detail.
• Ability to manage multiple conflicting priorities across multiple projects/initiatives.
• High level of integrity and Excellent oral and written communication skills.