Department: Credit Management Department, Head Office.
The Credit Analyst (Agri-Lending) will play a crucial role in assessing and analyzing credit applications for agricultural loans. This position requires a strong understanding of agricultural lending practices, loan knowledge, and proficiency in English. The Credit Analyst will evaluate the creditworthiness of agricultural loan applicants and ensure compliance with the bank’s policies and procedures.
Evaluate credit applications for agricultural loans, including reviewing financial statements, business plans, and collateral valuation.
Assess the creditworthiness of agricultural loan applicants based on their financial stability, repayment capacity, and industry analysis.
Analyze and interpret agricultural market trends, risk factors, and economic conditions affecting the agricultural sector.
Prepare comprehensive credit reports and present findings to management for loan approval or rejection decisions.
Collaborate with the relationship managers and other departments to gather necessary information and ensure timely completion of credit analysis.
Monitor the credit portfolio of agricultural loans, including conducting regular reviews and risk assessments.
Stay updated on agricultural lending regulations, policies, and best practices.
Maintain accurate documentation and records of credit analysis and related activities.
Bachelor’s degree in finance, agricultural economics, or a related field.
Previous experience in credit analysis, preferably in agricultural lending.
Strong knowledge of agricultural lending practices, loan evaluation, and risk assessment.
Proficiency in English, both written and spoken.
Familiarity with agricultural market trends, farming practices, and associated risks.
Excellent analytical and problem-solving skills.
Attention to detail and ability to work under pressure.