Job Summary
The Credit Analyst will evaluate, structure, and monitor financing facilities to ensure sound credit decisions and portfolio quality. The role demands a hands-on and analytical professional who understands both structured trade finance and the practical realities of export-sector operations, including coffee, petroleum, and commodity value chains.

Duties and Responsibilities

• Conduct detailed credit appraisals and financial analyses for export clients, including SMEs and corporate clients.
• Assess risks related to trade finance transactions (letters of credit, pre- and post-shipment finance, invoice discounting, structured commodity finance).
• Prepare comprehensive credit proposals and recommendations for the Credit Committee.
• Evaluate client business models, cash flow projections, and collateral quality especially within commodity export and petroleum sectors.
• Develop tailored credit structures aligned with the organization’s risk appetite and developmental objectives.
• Maintain and monitor assigned credit portfolios to ensure early identification and mitigation of risks.
• Liaise with clients, banks, and trade partners to validate credit information and ensure practical compliance with financing terms.
• Contribute to product development in export credit solutions, including value chain and supplier-financing models.
• Ensure adherence to the organization’s credit policies, regulatory standards, and best practices in export finance.
• Support capacity building for SMEs and exporters in financial literacy and documentation readiness.

Experience, Skills and Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• Professional certifications (ACCA, CPA, CFA, or Credit Risk Certification) are an added advantage.
• Minimum of 2–4 years of progressive experience in credit analysis or trade finance within a bank, export credit agency, or commodity trading firm.
• Demonstrated experience with structured trade or commodity finance, preferably in a coffee exports institution, petroleum, or agro-value chains.
• Strong financial modelling, analytical, and risk-assessment skills.
• Proven ability to balance structured analysis with practical judgment and on-the-ground understanding of client realities (“street smart”).
• Working knowledge of international trade documentation, collateral management, and risk-sharing mechanisms.