Job Description

• The Senior Credit Advisor will be responsible for managing and mitigating credit risk by evaluating and processing credit applications, advising on credit policies, and developing strategies to improve the creditworthiness of clients. This role involves overseeing credit analysts’ responsibilities, maintaining relationships with key stakeholders, and ensuring compliance with regulatory requirements.

QUALIFICATIONS, EXPERIENCE, KNOWLEDGE:

• BSc Agricultural Economics or
• BCom in Agricultural Economics, or a related field
• Minimum of 5 - 7 years of experience in credit analysis, risk management, or a related role
• Strong understanding of financial statements, credit scoring models, and risk assessment techniques
• Proficiency in financial analysis software and Microsoft Office Suit

SKILLS AND COMPETENCIES:

• Excellent analytical and problem-solving skills
• High level negotiation skills
• Strong attention to detail and accuracy
• Exceptional communication and interpersonal skills
• Ability to work independently and as part of a team
• High level of integrity and ethical standards
• Strong leadership and mentoring abilities

KEY RESPONSIBILITIES:

Credit Evaluation and Analysis:

• Conduct thorough credit assessments and risk analysis for new and existing clients
• Analyze financial statements, credit reports, and other relevant documents
• Develop credit proposals and recommendations based on assessment findings

Credit Processing and Approval:

• Oversee the processing of credit applications, ensuring all necessary documentation is complete
• Approve or decline credit applications within authorized limits
• Present complex cases to the Credit Committee for further review and decision-making

Risk Management:

• Monitor and manage the credit portfolio to identify and mitigate potential risks
• Implement and maintain credit policies and procedures
• Conduct periodic reviews of existing clients to reassess their creditworthiness

Client Relationship Management:

• Build and maintain strong relationships with clients, providing expert advice on credit matters
• Assist clients in improving their credit profiles and developing tailored credit solutions
• Resolve client inquiries and issues promptly and effectively

Leadership and Mentorship:

• Lead and mentor credit analysts’ responsibilities, providing guidance and support in their professional development
• Conduct training sessions on credit analysis, risk assessment, and company policies

Regulatory Compliance:

• Ensure all credit activities comply with relevant laws, regulations, and company policies
• Stay updated with changes in credit regulations and implement necessary adjustments

Reporting and Documentation:

• Prepare detailed reports on credit assessments, portfolio performance, and risk metrics
• Maintain accurate records of all credit-related activities and decisions