Credit Risk Analyst

Job Description – Credit Risk Analyst

UBA America, New York, United States (On-site)

TITLE: Credit Risk Analyst

DEPARTMENT: Risk Management

LOCATION: New York-USA - Onsite

FLSA STATUS: EXEMPT

Position Overview

We have an exciting opportunity for a The Credit Risk Analyst reports to the Head, Risk Management, and is responsible for analyzing credit data and financial information to determine risk associated with granting loans and credit to clients. The responsibilities for this role will include evaluating the financial status and credit repayment capability of potential credit customers and making suitable recommendations to the Head Enterprise Risk Management/Chief Credit & Compliance Officer on Credit Approval Memo (CAM) received from relationship managers in line with the credit policy/underwriting standards of the bank and all relevant regulatory provisions for informed credit decisions. The responsibility will also include providing credit training to the relationship managers to improve the credit underwriting and credit policy compliance standards of the bank.

This is an exceptional opportunity for a seasoned finance professional to make a meaningful impact in international banking while advancing their career within our global network.

About UBA Group & UBA America

United Bank for Africa (UBA) is a leading pan-African financial services group with over 75 years of banking excellence, operating across 20 African countries and key global financial centers including the United States, United Kingdom, France, and UAE. With over 45 million customers served through 1,000 branches and extensive digital channels, UBA is "Africa's Global Bank."

UBA America is a member of the US Federal Reserve System and regulated by the Office of the Comptroller of Currency (OCC), we have been the trusted gateway between Africa and North America for nearly four decades. Our Strategy is to facilitate trade, capital, and development flows between Africa and the rest of the world, positioning us as the preferred financial services partner for corporations, financial institutions, and development organizations doing business in and with Africa.

Key Responsibilities

• Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and periodic due diligence reviews.
• Present analysis, findings, and recommendations to managers, especially findings

that involve a borrower’s ability to repay.

• Conduct independent evaluation of the Credit Risk Rating of credit obligors to confirm that it meets the minimum threshold required for the credit type.
• Liaising with the Group Credit Office for CAMs requiring Technical Input of the Group Executive Credit Committee (ECC)
• Build, maintain, and improve credit risk underwriting standards in the bank.
• Provide credit policy training to the relationship managers to improve the credit underwriting and policy compliance standards in the bank.
• Effective liaison with the credit underwriting/risk rating application provider of the bank to ensure the continuous proper functioning of the application with relevant upgrades as may be required.
• Support the preparation of committee materials and other reports related to the

Bank’s credit risk exposure/underwriting process

• Conduct periodic portfolio reviews, extract and present relevant learning points for credit policy improvement.
• Ensure the bank’s credit risk policies and processes are regularly updated to comply with regulatory guidance and execute credit processes as required by the credit policy
• Complies with all UBA America legal and regulatory requirements, adheres to the Branch’s Code of Conduct, attends regular periodic training on core Branch policies, and reports any known or suspected violations of the Code of Conduct to UBA America management.
• Any other non-conflicting risk management function as may be assigned by the Head Enterprise Risk or Chief Credit & Compliance Officer.

Required Qualifications

• Bachelor’s degree (or equivalent) with a concentration in finance, economics, statistics, mathematics, actuarial science, or a related field; advanced degree preferred
• 5 years’ related credit experience including working knowledge of lending and underwriting practices
• Experience and ability to perform ongoing, independent financial analysis of borrowers to confirm willingness and capacity to repay in accordance with regulatory expectations for commercial lending.
• Strong oral and written communication skills

Technical Expertise

• Strong oral and written communication skills
• Competency in Microsoft Word, Excel, and Access and Visual Basic
• Strong analytical and problem-solving skills
• Proven statistical, spreadsheet and simulation skills
• Strong internet search capabilities.

Preferred Qualifications

• Experience:
• Knowledge of regulations such as the Bank Secrecy Act (including the USA PATRIOT Act), OFAC sanctions programs, etc.
• General:
• Detail-oriented individual with ability to conduct in-depth research and possess strong communication skills.
• Strong analytical skills.
• Must be able to demonstrate strong writing capabilities.
• Ability to work in a team environment, as well as independently.
• Must be well-organized and capable of performing multiple tasks simultaneously.
• Ability to prioritize and use sound judgment.
• Excellent ability to work independently as well as part of a team.
• Education & Qualifications:
• Bachelor’s degree required.
• ACAMS certification is required.
• PC skills:
• Familiarity with TMS; preferably, Prime Compliance Suite.
• Strong working knowledge of Microsoft Word, Excel, Power Point; Lexis-Nexis, World-Check, Banker’s Almanac, etc.
• Strong internet search capabilities.

**Specific duties and responsibilities may vary based upon departmental and Bank needs. Other duties may be assigned similar to the above consistent with the knowledge, skills and abilities required for the position.

UBA America is an Equal Opportunity Employer

What We Offer

• Competitive salary commensurate with experience
• Comprehensive benefits package
• International exposure - Work within a global banking network spanning 24 countries
• Professional growth in one of the most regulated and respected banking environments

Work Environment & Culture

• Values-driven culture built on our core principles: Enterprise, Excellence, and Execution (the 3 Es)
• Enterprise mindset: take initiative, solve problems, break barriers, and drive innovation
• Excellence standard: surpass expectations, maintain meticulous attention to detail, and uphold the highest professional integrity
• Execution focus- get things done efficiently, effectively, and with the end goal always in mind
• Collaborative, inclusive environment that values diversity and promotes professional growth
• Direct impact on facilitating economic growth and development between Africa and North America

Core Skills:

• Analytical Skills: The ability to critically analyze information, identify red flags, and assess the risk associated with potential sanctions violations.
• Attention to Detail: A high level of accuracy and attention to detail is crucial for reviewing transactions, investigating matches, and ensuring compliance.
• Communication Skills: Strong written and verbal communication skills are needed to communicate findings to senior staff, collaborate with other teams, and explain complex regulations.
• Time Management and Prioritization: The ability to manage multiple tasks, prioritize effectively, and meet deadlines in a fast-paced environment.
• Critical Thinking: The capacity to assess complex situations, identify potential problems, and develop effective solutions.
• Problem-Solving: The ability to troubleshoot issues, investigate potential violations, and find appropriate solutions.
• Risk Management: Understanding and mitigating financial risks associated with sanctions violations.