Credit Risk Analyst

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La Fayette Microfinance Bank Limited is a globally recognized microfinance bank that provides a comprehensive array of financial services and payment solutions to its customers. These services include savings accounts, current accounts, and fixed deposit accounts, ensuring a complete range of options for individuals and businesses alike.

 

Title: Credit Risk Analyst

 

Location: Ibadan, Oyo

Planned Start Date: 01/06/2023

 

Main Responsibilities

Production:

  • Analyzes and gives a motivated opinion on every credit file to be presented to LCM from N3 million. These tasks imply the following:
  • Ensures that the file is complete (documents, appendix, etc.)
  • Checks the source of information/data and their reliability.
  • Checks the exactitude and accurateness of data and calculation.
  • Checks the respect of the rules and methodology used.
  • Checks the global consistency of data between themselves and according to sector/comparable activities.
  • Checks and interprets the evolution of data, identify trends.
  • Identify additional risks (fiscal, licenses, contracts, etc.)
  • Exchanges information with CO in order to complete LAF
  • Checks – with HNP – that procedures of credit risk follow-up and monitoring is respected (quality and frequency of post-disbursement visits)

 

Analysis:

  • Periodically analyzes quantitatively and qualitatively the loan portfolio of Advans Nigeria (sector concentration, product concentration, etc.)
  • Periodically perform default/PAR studies, measuring in particular the impact of collateral, members of LCM and other on risk exposure.
  • Makes recommendations (training, process, procedures, etc.) in order to improve the quality of analysis.
  • Constitutes a database enable the Bank to build comparison/reference criteria between companies from the same sectors.
  • Proposes evolution in the policy, process, procedure, methodology, LAF, products, collateral, related to the risks identified.
  • Intervenes, if requested to, on certain cases of recovery.

 

Control:

  • Controls loan files based on tangible elements.
  • Informs directly MD/CEO/HNP in case of serious violations, in order for the management to take appropriate steps.
  • Other duties as assigned by the Chief of Risk.

 

Profile
Persons Specification:

  • Educational Experience: B.Sc. / HND in any discipline. Professional Qualification will be an advantage.
  • Work Experience: Applicant must have minimum of two (2) years work experience as a credit risk officer prefferably in a finance institution.

Skills:

  • High-level proficiency in written and spoken English
  • Good knowledge of regulatory requirements around credit risk and control management for MFIs.
  • Good command of MS PowerPoint, and general knowledge of MS Office software package.
  • A high degree of professionalism, maturity, and confidentiality.
  • Oral and written communication.

 

Deadline: Not Specified.

 

How to Apply: Interested and qualified candidates should Click Here to apply online

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