• The jobholder is primarily responsible for the preparation of quality credit applications in conjunction with the various BKB divisions and subsidiaries for submission to the relevant mandate holder for approval.  As a credit specialist the jobholder will also be responsible to pro-actively manage the risk profile of the credit portfolio. The jobholder will also be responsible for client visits with the various BKB divisions and subsidiaries to establish client needs and to obtain the appropriate information to enable the preparation of a credit application.

QUALIFICATIONS, EXPERIENCE, KNOWLEDGE:

• B degree in Agricultural Economics
• Minimum of 5 years’ relevant work experience

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

KEY RESPONSIBILITIES: 

• Overall responsible for the credit process from receiving of application to fulfilment
• Preparation of credit applications and the compilation of executive summaries for new facilities and extensions/amendments to existing facilities
• Conduct risk assessments of the credit portfolio
• Develop and maintain strong relationships with clients during all client interactions
• Stay updated on industry trends, financial regulations, and credit products to provide accurate advice.
• Provide training to staff relating to critical credit processes.