The Lesotho PostBank invites interested Basotho Nationals to apply for the Credit Analyst position , which entails, inter alia, analyzing credit information on current and potential borrowers and granting credit to legible customers and maintaining good customer relations with Customers and Sales team.
Reporting to the Credit Manager, the incumbent will among others perform the following:
Key Performance Areas
• Vet applications according to agreed and laid down procedures
• Process received loan applications
• Discuss credit related information within agreed SLA with the sales department and Branches.
• Identify, quantify and evaluate sources of risk in relation to profitability of business proposal and financial viability of corporation as a whole, interrogate information obtained to gain a thorough understanding of business parameters, which create profit / values as well as the associated risks.
• Advice branches/ relationship managers on all information related to loan Application requirements.
• Assess financial statements and business information to quantify and evaluate the risks and benefits of a business proposal, establishes risk profile of counter-party, and incorporate contextual industry risks, in a formal credit evaluation.
• Approve the facility conditions proposed by the Analyst or change them.
• Manage and communicate the risk associated with outstanding loans.
• Explore new, improved and alternative ways of offering solutions to clients.
• Ensure that the repayment process has been followed and repayments undertaken.
• Process received loan applications
• Discuss credit related information within agreed SLA with the sales department and Branches.
• Identify, quantify and evaluate sources of risk in relation to profitability of business proposal and financial viability of corporation as a whole, interrogate information obtained to gain a thorough understanding of business parameters, which create profit / values as well as the associated risks.
• Advice branches/ relationship managers on all information related to loan Application requirements.
• Assess financial statements and business information to quantify and evaluate the risks and benefits of a business proposal, establishes risk profile of counter-party, and incorporate contextual industry risks, in a formal credit evaluation.
• Approve the facility conditions proposed by the Analyst or change them.
• Manage and communicate the risk associated with outstanding loans.
• Explore new, improved and alternative ways of offering solutions to clients.
• Ensure that the repayment process has been followed and repayments undertaken.
In order to perform this job successfully, the incumbent must possess the following;
QUALIFICATIONS AND EXPERIENCE
• BCom Accounting / Finance/ Banking /Financial Management or equivalent
• Diploma in Banking with 3 years Banking experience in Credit
• Two (3) years experience in the Finance Sector
• Two (3) years experience within a Credit environment
KNOWLEDGE AND SKILLS
• Two years relevant corporate& Institutional credit experience in the Banking industry
• Exposure to credit processes & procedures
• Proficient in MS Office applications
• Ability to read and interpret financial statements
• Strong organizing and planning abilities
• Good presentation skills
• BCom Accounting / Finance/ Banking /Financial Management or equivalent
• Diploma in Banking with 3 years Banking experience in Credit
• Two (3) years experience in the Finance Sector
• Two (3) years experience within a Credit environment
KNOWLEDGE AND SKILLS
• Two years relevant corporate& Institutional credit experience in the Banking industry
• Exposure to credit processes & procedures
• Proficient in MS Office applications
• Ability to read and interpret financial statements
• Strong organizing and planning abilities
• Good presentation skills
How to Apply
Applications (including names of three referees) accompanied by certified copies of relevant certificates should be emailed to klehloenya@lpb.co.ls/ichaka@lpb.co.ls or hand delivered to:
Applications (including names of three referees) accompanied by certified copies of relevant certificates should be emailed to klehloenya@lpb.co.ls/ichaka@lpb.co.ls or hand delivered to:
The Human Resources Manager
Lesotho Postbank
Oblate House,
Private Bag A121
Lesotho Postbank
Oblate House,
Private Bag A121
The closing date for submission of applications is 23rd May 2014.
DISCLAIMER: ONLY SUCCESSFUL CANDIDATES WILL BE CONTACTED
