JOB PURPOSE

The Credit Analyst role is designed to support prudent asset growth through rigorous credit analysis, transaction structuring, and portfolio monitoring, in line with the Bank's risk appetite, credit policies, and regulatory standards. The role supports business development activities by providing timely, objective, and high-quality credit assessments that enable the Bank to make sound lending decisions.

KEY RESPONSIBILITIES

Credit Analysis & Structuring

• Analyse financial statements, management accounts, and industry data to assess the creditworthiness of corporate, SME, and retail borrowers.

• Prepare comprehensive credit appraisal reports, including financial modelling, risk assessment, and recommended credit structures.

• Structure credit facilities in alignment with the Bank's credit policy, risk appetite, and regulatory requirements.

• Evaluate collateral positions and security structures to support facility approvals.

Portfolio Monitoring & Risk Management

• Monitor assigned credit portfolio to identify early warning signs of credit deterioration.

• Review and update credit ratings and risk classifications in line with internal policy and CBL (Central Bank of Liberia) guidelines.

• Prepare periodic portfolio reviews and watchlist reports for management attention.

• Liaise with relationship managers to escalate and resolve emerging credit concerns.

Compliance & Reporting

• Ensure all credit submissions comply with the Bank's credit policy, Group standards, and applicable regulatory guidelines.

• Maintain accurate and up-to-date credit files and documentation for audit and regulatory review purposes.

• Contribute to the preparation of credit committee presentations and management reports.

JOB PROFILE

Qualifications & Experience

• Bachelor's degree in Finance, Accounting, Economics, or a related field.

• Minimum 3–5 years of experience in credit analysis, corporate banking, or financial risk within a financial institution.

• Strong proficiency in financial statement analysis and credit modelling.

• Knowledge of Liberian banking regulations and CBL credit risk guidelines is an advantage.

Skills & Competencies

• Analytical and detail-oriented with the ability to assess complex financial information.

• Strong written and verbal communication skills for report preparation and stakeholder engagement.

• Proficiency in Microsoft Excel and financial analysis tools.

• Ability to work under pressure and meet tight deadlines.

• Strong understanding of credit risk frameworks and lending products.