View Jobs at La Fayette Microfinance Bank Limited |
Contract |
Ibadan, Oyo |
Posted 2 years ago |
JOB TITLE: Credit Risk Analyst
JOB LOCATION: Ibadan, Oyo
Planned Start Date: 01/12/2022
JOB DETAILS:
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 Advance 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 preferably 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.
Application Closing Date
Not Specified.
Job Features
Job Category | Risk/Credit/Finance/Insurance/Investment |