Credit Analyst at First National Bank Ghana

Purpose

• The analyst will be responsible for a portfolio of corporate clients typically concentrated in one or two major industries and with the majority based in Ghana.
• experience and qualifications
• The successful candidate must have a CA, MBA or CFA. Experience should ideally include modeling, assessing and advising on industry and company specific risks;
• Ability to analyse company financial statements and to identify and quantify financial and business risks;
• An interest in and understanding of financial instruments and markets;
• General knowledge of practical economics relating to business, industry and the Ghana macro-economic environment;
• Computer literacy: proficiency in spreadsheet, database and word processing software;
• General understanding of a variety of financial derivative products.

Additional Requirements

• Preference will be given to candidates with experience in a managerial role.

Responsibilities

• Identifying transaction specific risks including credit, taxation, accounting and legal.
• Introducing risk mitigating measures as input to structure transactions in line with the risk philosophy of the Bank.
• General understanding of the Ghana Companies Act, Tax, Commercial Law and legal issues relating to Security.
• Accountability for originating and writing the Credit Application and co-presenting with the relevant RM to the Credit Committee.
• Excellent report writing skills (reports are presented to the Credit Committee and to the Board of Directors).
• Keeping up to date with news and events that might affect various individual counterparties and portfolios.
• A good understanding of the Bank’s credit grading and credit pricing models.
• Comprehensive understanding of business risks and the economic environment with the ability to relate such issues to the risk profile of individual credits.