Credit Analyst - First National Bank
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The Credit Analyst at First National Bank will be responsible for a portfolio of corporate clients typically concentrated in one or two major industries and with the majority based in Ghana.
responsibilities
- Identifying transaction specific risks including credit, taxation, accounting and legal.
- Introducing risk mitigating measures as input to structure transactions in line with the risk philosophy of the Bank.
- General understanding of the Ghana Companies Act, Tax, Commercial Law and legal issues relating to Security.
- Accountability for originating and writing the Credit Application and co-presenting with the relevant RM to the Credit Committee.
- Excellent report writing skills (reports are presented to the Credit Committee and to the Board of Directors).
- Keeping up to date with news and events that might affect various individual counterparties and portfolios.
- A good understanding of the Bank’s credit grading and credit pricing models.
- Comprehensive understanding of business risks and the economic environment with the ability to relate such issues to the risk profile of individual credits.
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experience and qualifications
- The successful candidate must have a CA, MBA or CFA. Experience should ideally include modeling, assessing and advising on industry and company specific risks;
- Ability to analyse company financial statements and to identify and quantify financial and business risks;
- An interest in and understanding of financial instruments and markets;
- General knowledge of practical economics relating to business, industry and the Ghana macro-economic environment;
- Computer literacy: proficiency in spreadsheet, database and word processing software;
- General understanding of a variety of financial derivative products.
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- An application will not in itself entitle the applicant to an interview.