Credit Risk Analyst@ La Fayette

Posted by Jobgurus Services - VERIFIED EMPLOYER VERIFIED26 Jan 3:39 pmIbadan North, Oyo

La Fayette Microfinance Bank Limited will join Cameroon, Ghana, Democratic Republic of Congo, Tanzania, Cambodia and Ivory Coast as member of Advans group network. Advans SA SICAR was created in 2005 by Horus Development Finance together with several development financial institutions: IFC, FMO, KFW, CDC, EIB, AFD Group.

La Fayette Microfinance Bank recently received the Approval-in-Principle from the Central Bank of Nigeria to carry out microfinance services in Oyo State.

We are recruiting to fill the below position:

Job Reference: IBD/ADV/CRA02
Location: Ibadan, Oyo

Job Duties
Main responsibilities and tasks include, but not limited to the following:

Production:

Analyzes and gives a motivated opinion on every credit file to be presented to LCM from N3 million. This tasks implies 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 respects of the rules and methodology used
Checks the global consistency of data between themselves and according to sector/comparable activities
Checks and interprets evolution of data, identify trends
Identify additional risks (fiscal, licenses, contracts, etc.)
Exchanges information with CO in order to complete LAF
Checks - with COO - 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 collaterals, 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 evolutions in the policy, process, procedure, methodology, LAF, products, collaterals, 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/COO in case of serious violations, in order for the management to take appropriate steps.
Required Skills and Competencies
Experience:

At least 2 year of experience in a financial institution on analysis.
Formation and Domain of Expertise:

Formation: accountancy, banking and finance
Domain of expertise: analysis, risk management
IT skills: word / excel / powerpoint + openoffice environment.
Human Qualities and Soft Skills:

Good human relationships
Analytical skills, synthesis skills.

I do not want to be contacted by telemarketers.


Industry:
Accounting / Finance
Company website:
www.jobgurus.com.ng
Job type:
Full Time
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