Credit & Risk Analyst
Job description
- Work with the Control Manager to assess credit applications.
- Conduct preliminary interviews with loan applicants.
- Monitor the sales team for emerging risks and develop a robust system to identify, manage and control credit, market and operational risks.
- Prepare timely, comprehensive and reliable credit risk reports to senior management and board on a regular basis.
- Assist in the development of risk policies, procedures, and standards.
- Review all loan documents and agreements to make sure they are all complete, valid and in accordance with the company’s guidelines.
- Assess the credit worthiness of existing or prospective clients.
- Ensures proper documentation of credits by adhering to set documentation standards and procedures
- Work out plans and strategies for delinquent customers and provide additional support with respect to exposures requiring legal action.
- Review and analyze the delinquent portfolio to identify key causal factors, make recommendations and track them to ensure adequate and timely closure.
- Carry out any other task as required from time to time.
Requirements:
- HND/ B.Sc. Degree in Finance, Accounting, or related disciplines.
- 2 years of experience as an analyst in a Microfinance Bank is a major consideration.
- Strong ethical behavior and the ability to work with sensitive financial information.
- Excellent knowledge of loan application procedures and best lending practices.
- Strong written and verbal communication skills.
- Exceptional analytical skills, sound assessment and time management skills.
Method of Application
Interested and qualified candidates should send their CV to: hr@gnmfb.com using the job title as the subject of the email.