Client Analyst; Commercial - Origination
NMB Bank Plc
Jobconnect analysis
The requirements below come from this advert. The accompanying CV suggestions are Jobconnect advice, not additional employer requirements.
Selected requirements and CV evidence
| Advertised requirement | Suggested evidence, if applicable |
|---|---|
| Bachelor's degree in accounting, finance or related field | Give the exact qualification, institution and completion status. If your qualification differs, check whether the employer accepts an equivalent. |
| At least 3 years' experience in Banking and/or Financial Services, 2 years being in Credit origination or evaluation. | List relevant roles with month and year dates, and describe the work that matches this experience requirement. Do not count overlapping roles twice. |
| Other relevant qualifications including ACCA/CPA and post graduate qualifications will be an added advantage | Choose a real example matching this specific requirement. Explain your task, your own action and the outcome; include tools or scale only where you can substantiate them. |
| Experience in project structuring, financial modeling, validation and reviewing financial statements. | Choose a real example matching this specific requirement. Explain your task, your own action and the outcome; include tools or scale only where you can substantiate them. |
| NMB Bank Plc is an Equal Opportunity Employer. We are committed to creating a diverse environment and achieving a gender balanced workforce. | Choose a real example matching this specific requirement. Explain your task, your own action and the outcome; include tools or scale only where you can substantiate them. |
| Female candidates and people living with disabilities are strongly encouraged to apply for this position. | Choose a real example matching this specific requirement. Explain your task, your own action and the outcome; include tools or scale only where you can substantiate them. |
| NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it. | Choose a real example matching this specific requirement. Explain your task, your own action and the outcome; include tools or scale only where you can substantiate them. |
| Only shortlisted candidates will be contacted. | Choose a real example matching this specific requirement. Explain your task, your own action and the outcome; include tools or scale only where you can substantiate them. |
Application readiness checklist
- Use the application channel linked in this advert and check that the role and employer match before sending documents.
Position
Company
NMB Bank Plc
Job Purpose
To evaluate and manage counterparty credit risk within Business Banking Commercial lending, ensuring sound credit decisions and portfolio quality while supporting structured trade finance and lending solutions.
Main Responsibilities
Strategic Focus
Provision of direct (specialist/ professional) credit evaluation services at the customer interface and apprise client applications timely
Identify credit and risk management requirements at the source of the deal negotiation/ business proposal.
Utilize industry risk analysis available to identify and understand contextual threats to existing and potential clients.
Prepare Business Engagement Request and present to Credit and Credco for an appetite test.
Present and defend own judgement and senior credit evaluations
Identify, quantify and evaluate sources of risk in relation to profitability of business proposal and financial viability of the corporation.
Support other teams in department to develop high quality credit solutions to customers and recommend appropriate facilities
Accurate use of Risk Based Pricing tools during credit appraisal for proper decision
Present and defend credit proposals to Credit and CREDCO for their support.
People Focus
Build relationships with Analysts, Senior Analyst, Relationship Managers and Senior Managers to improve quality of business proposals and turnaround time on credit origination and portfolio monitoring.
Operations Focus
Propose appropriate financial and non-financial covenants at the facility origination and monitor covenants post credit facility disbursement.
Monitor and control quality of portfolio using ‘Condition of Sanction' triggers where possible.
Plan and implement annual credit reviews for the individual borrower and portfolio.
Monitor of daily referrals to ensure that clients' facilities are managed within the parameters set by credit
Proactively and timely processing credit applications for existing facilities ensuring consistent, thorough and timely submission
Monitor utilization in excess or arrears of credit facilities and assist Relationship Managers in managing the risk exposure.
Review the correctness of data and information obtained including financials, Risk Based Pricing and Risk Grading tools calculations.
Full compliance to legal and regulatory requirements and internal limits
Knowledge and Skills
Knowledge of the key areas in Business Banking Commercial.
Understanding of key financial indicators and use financial analysis to evaluate strategic options and opportunities
Robust credit knowledge
Strong ability to influence, build and /or initiate effective relationships and credibility with others (colleagues, stakeholders and customers)
High level of accuracy and attention to detail.
Ability to think in terms of integrated solutions; logical, rational and shows sound judgement.
Excellent communication skills, both verbally and in writing
Qualifications and Experience
Bachelor's degree in accounting, finance or related field
Other relevant qualifications including ACCA/CPA and post graduate qualifications will be an added advantage
At least 3 years' experience in Banking and/or Financial Services, 2 years being in Credit origination or evaluation.
Experience in project structuring, financial modeling, validation and reviewing financial statements.
NMB Bank Plc is an Equal Opportunity Employer. We are committed to creating a diverse environment and achieving a gender balanced workforce.
Female candidates and people living with disabilities are strongly encouraged to apply for this position.
NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it.
Only shortlisted candidates will be contacted.
Jobconnect application guidance
Before applying for Client Analyst; Commercial - Origination, review the requirements carefully, tailor your CV to the role, and follow the instructions shown in the advert.
- Identify 2-3 requirements from the advert and make sure they are clearly visible in your CV, cover letter, or application message.
- Prepare a short application message that mentions the exact job title and why you fit the role.
- Keep your phone and email active after applying so you do not miss interview or assessment updates.
CV hints for this job
For Client Analyst; Commercial - Origination at NMB Bank Plc.
Interview preparation
Jobconnect practice questions, not confirmed employer interview questions. Base your answers on your own experience.
Advert requirement: Open Careers Portal How would you demonstrate this requirement using a specific example from your work or training? Describe the task, your actions, relevant tools and outcome. Be clear about anything you have not yet done.
General practice What would you want the employer to clarify about this advert? Prepare a question about something genuinely unstated. Do not assume pay, benefits or working arrangements.
General practice What would you need to learn to perform this role well? Explain any gap honestly and the practical steps you would take to learn.
General practice Describe a time you worked with others to solve a problem. Distinguish your own contribution from the team outcome.
General practice How do you organize work when priorities compete? Use a real example covering priorities, communication and results.
View sample application letter Dynamic draft tailored to this job post. Edit it before sending.
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Refer to the letter heading above, I am writing to apply for the Client Analyst; Commercial - Origination position. After reviewing the advertised requirements, I believe my skills, experience, and commitment to professional results make me a strong candidate for this opportunity.
My background has prepared me to contribute effectively in work relevant to Client Analyst; Commercial - Origination. I can bring relevant experience, strong attention to detail, and the ability to work responsibly with teams, clients, and organizational priorities. In tailoring this application, I would highlight evidence related to Bachelor's degree in accounting, finance or related field Other relevant qualifications including ACCA/CPA and post graduate qualifications will be an.
I am especially interested in this role because it aligns with responsibilities such as Strategic Focus Provision of direct (specialist/ professional) credit evaluation services at the customer interface and apprise client applications timely Identify credit.... I am confident that my ability to learn quickly, communicate clearly, and deliver dependable work would support the goals of the organization.
I have attached my CV and supporting documents for your review. I would appreciate the opportunity to discuss how my qualifications match this position.
Thank you for considering my application.
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