• Prepare credit facility applications that meet dfcu bank credit approval requirements to grow the asset base (portfolio) and related bank revenues like interest income, commissions and fees. • Provide credit structuring support (guidelines and valuable suggestions) to the business units to enable the bank meet client needs in a timely manner. • Consistent, periodic monitoring of credit exposures to minimize None Performing Assets (NPAs). • Maintenance of credit files and ensuring that credit related records are properly documented. • Perform industry studies and conducts financial analysis of sector customers using credit review skills and financial expertise to support productive sales performance credit scoring. • Evaluate and acquire a good understanding of the risk associated with individual transactions, products and borrowers. • Advise RMs on the quality of the portfolio by analysing the ratios of their customers, portfolio at risk, accounts in arrears. • Make client courtesy calls and visits to provide advisory services to achieve portfolio quality. • Timely resolution of customer issues that require analysis of their accounts. • Review existing credit facilities on an annual basis and make necessary propositions like renewals, restructures. • Timely submission of required documents to credit and legal teams to have fast turnaround time. • Compliance to internal controls as per credit approval criteria as detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries. • Support the business teams to engage Credit Documentation for the issuance of Offer Letters to clients in a timely manner.

• Bachelor’s Degree in Accounting, Finance, Business Administration, Statistics, or a related field. • Additional training or professional qualification in Business and Project Appraisal, Risk Management, Financial Analysis will be added advantage. • Minimum of 4 years’ experience in financial services environment with at least 2 in Credit Risk Management environment. • Credit certification. • Understand company financial statements (i.e., P&L and Balance Sheet). • Analytical and problem-solving skills. • Awareness of business issues and current economic/market trends. • Computer knowledge especially working spread sheets, power point and word processor. • Results- oriented individual with independent and sound judgment. • Good written, verbal and communication skills. • Self-driven and able to work efficiently under pressure. • Results- oriented individual with independent and sound judgment. • Good interpersonal skills, communication, and telephone skills. • Good written, verbal and communication skills. • Organized and efficient i.e., goal and task oriented to complete multiple priorities and with the dynamic demands of the different teams in relationship management, credit sanctioning, disbursement, legal etc. • Ability to keep abreast on changes in the market, customer requirements and competitors’ responses. • Ability to identify new business /products on the market, opportunities and threats in order to carry out a comprehensive credit analysis.

professional/academic certificates from O’ level, to the email address indicated below: Vacanciesbank@dfcugroup.com Deadline: 27th May 2025.