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Credit Appraisal

• Lead comprehensive financial analysis including cash flow forecasting, Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA), Debt Service Coverage Ratio (DSCR), free cash flow, leverage, sensitivity, and scenario testing.
• Develop and present detailed credit proposals, articulating key risks, mitigants, and covenant structures.
• Structure facilities with a focus on sustainability, repayment capacity, and alignment to Risk Asset Acceptance Criteria (RAAC).
• Provide sector benchmarking and peer comparison for large borrowers across the target Market.

Portfolio Monitoring & Risk Management

• Track performance of large-ticket exposures and escalate early warning signals promptly.
• Conduct stress testing at borrower and portfolio level to assess resilience to shocks.
• Evaluate and monitor the private sector portfolio’s performance, identify potential problem facilities, and develop strategies to mitigate risk.
• Recommend proactive restructuring, recovery, or risk mitigation strategies when necessary.

Stakeholder Management, Engagement & Communication

• Present and defend complex credit recommendations with clarity and conviction at senior-level Credit Committees.
• Effective communication with various accounts to ensure a healthy and positive business relationship.
• Engage with Relationship Managers, auditors, valuers, and regulators to ensure due diligence is robust and complete.
• Draft concise, well-structured reports and executive summaries for ARC, Board-level and regulatory submissions.

Governance & Policy Contribution

• Contribute to development of private sector-specific RAAC and review of portfolio policies.
• Ensure strict adherence to documentation, compliance, and audit trails.
• Mentor junior analysts, instilling a culture of discipline, accountability, and analytical rigor.

Training and capacity building

• Train and develop portfolio sales executives on credit administration, origination, due diligence, documentation, and compliance guidelines.
• Provide training to Quality Control teams and other credit support staff on Private sector, lending best practices.