About The Role

Analyze financial statements (balance sheet, income statement, cash flow) to assess client creditworthiness.
Perform ratio analysis, trend analysis, and cash flow projections .
Evaluate industry risks, business models, and macroeconomic factors affecting clients.
Prepare credit risk ratings in line with internal and regulatory frameworks.
Identify early warning signals and potential risk exposures in the portfolio.
Prepare credit applications/memos for new and existing clients, including:
Facility structures (loans, overdrafts, trade finance, etc.)
Risk analysis and mitigants
Financial projections and sensitivities
Coordinate with Risk, Legal, Compliance, and Credit teams for approvals.
Ensure credit proposals comply with internal policies and regulatory requirements .
Review loan documentation and ensure accuracy prior to execution.
Manage transactions with customers using cash registers
Scan goods and ensure pricing is accurate
Collect payments whether in cash or credit
Issue receipts, refunds, change or tickets
Redeem stamps and coupons
Cross-sell products and introduce new ones
Resolve customer complaints, guide them and provide relevant information
Greet customers when entering or leaving the store
Maintain clean and tidy checkout areas
Track transactions on balance sheets and report any discrepancies
Bag, box or gift-wrap packages