Dashen Bank was founded by eleven visionary shareholders and veteran bankers with initial capital of Birr 14.9 million in September 1995. Upon securing license from the National Bank of Ethiopia, Dashen opened its doors for service on the 1st of January 1996 with eleven fully-fledged branches.

DB/ Vacancy- 0142/23

Job Summary

The Credit Analyst is responsible for activities related to credit analysis and appraisal in the District Office. These include identifying, mitigating factors for credit risk(s); making in-depth credit analysis and appraisal using appropriate analysis techniques; and ensuring that the findings of the analysis are true and correct as per the Bank’s policies and procedures.

Job Requirements

Academic & Professional Qualification : Bachelor Degree in Business Administration, Economics, Accounting, Management, Banking, Finance or other related fields.

Experience At least five (5) years’ banking experience of which at least two (2) years in credit area.

Behavioral Competency

• Interpersonal and cross-cultural skills, including ability to build collaborative relationships with sensitivity to diversity/inclusion.
• Creativity and innovation skills.
• Action oriented.
• Quality focus and attention to detail.
• Professionalism and integrity in line with Dashen Bank values.
• Good oral and written communication skills.
• Critical and analytical thinking and problem solving skills.
• Personal motivation and drive exhibited through commitment to hard work, continuous improvement and achievement of goals.
• Good customer relationship management skills (internal and external customers)
• Risk awareness and focus – demonstrates understanding of risk management practices, standards and regulatory requirements.

Required Technical Competency

• Working knowledge of provisioning for loan losses and the Bank’s regulatory provisioning policies and requirements.
• Expert knowledge of loan workout and recovery processes and strong knowledge of lending principles in the commercial business market.
• Solid understanding of lending procedures and credit reporting agencies
• Proficient in reading / interpreting financial statements for the purpose of underwriting credit.
• In-depth knowledge of credit scoring and financial services products.
• Knowledge of policies, rules, regulations and directives related to the financial sector.
• Sound knowledge of macroeconomic and micro-economic environment.