Essential Function

• Conducts an independent credit analysis/appraisal on all credit requests’ of customers,
• Collects all required loan processing documents and information from Customer, information/data/research output from the database of the bank (if available), or from the market as deemed necessary,
• Conducts customer credit risk rating/grading,
• Conducts negotiation with customers with problem loans and advances, proposes resolution mechanisms, and follow-up the restructured loans and customer’s business
• Follow-up legal action (foreclosure/litigation) and searches for attachable or foreclosed properties,
• Propose full or partial write-off hopeless loans and advances,
• Conducts post write-off follow-up in collaboration with the concerned branches,
• Closely works with respective Branches for timely execution of remedial measures of problematic loans,
•  Prepares and presents credit appraisal proposal to the concerned credit committees,
• Participates in other activities of the Bank’s NPL management committees in conformity with the enclosures of the credit policy, procedure and other regulations of the Bank and NBE,
• Mentors and assist in training of subordinate staff, junior credit workout officers,
• Performs other duties given by immediate supervisors

Job Requirement

• BA in Economics, Accounting, Management, Business Administration, Management Information Systems & any other related fields with 3.5 years of experience in banking operation, of which at least 1 year as relevant officer

Place of Work: – Addis Ababa