The Diaspora Credit originator shall, primarily, be responsible for prospecting and conducting detailed analysis on the credit worthiness of a diaspora borrower and making a credit recommendation on whether the application should be approved or declined. Key Responsibilities & Accountabilities Prospect for new diaspora loan opportunities through activities such as networking with branches for referrals and cross-selling to existing Bank clients. Responsible for analyzing domestic and foreign financial documents, completion of due diligence activities, negotiating loan structures, identifying, mitigating, and properly documenting risks and credit exceptions, and recommending risk ratings and exposure strategies via preparation of credit proposals. Present credit proposals to credit committees when called upon to do so. Manage individual pipeline from lead sourcing to booking. This includes partnering with other lines of business to support timely delivery of the entire credit process. Prepare interim and annual reviews and test covenants for large exposure accounts and communicate material changes to the relevant credit committees. Pre-flight complex transactions to promote a smooth beginning-to-end transaction. This includes engaging with the customer to understand their credit needs and making recommendations for the appropriate loan structure and required appraisal documents Train other staff members and provide support when necessary. Participate in the department’s team building activities. Qualifications Education & Qualifications – Requirements Experience in engaging senior executives in facilitating decision-making and reporting is required. A minimum of three years of SME credit experience is required with international credit experience as an added advantage. Strong financial, accounting, and credit skills is required. Bachelor’s degree from a reputable institution is required with post graduate training in financial services as an added advantage. Strong understanding of overall banking operations, credit policies, processes, and procedures is required.