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  • Portfolio Risk Analyst at Concept Group

  • Posted on: 15 November, 2018 Deadline: Not Specified
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  • The Concept Group is a holding company for companies established in 1992. Subsidiaries under the Group include: Rosabon Financial Services - Nigeria’s Leading Equipment Leasing and Financial Intermediary Company, Concept Nova - Bespoke Enterprise Software Development Company, Percy Aitkins - Bureau De Change.

    Portfolio Risk Analyst

     

    PURPOSE

    Conducts detailed portfolio analysis and reports. The analysis a report on loan and lease portfolio to anticipate, identify and mitigate credit risk exposure related to portfolio management activities.

    KEY ACCOUNTABILITIES

    • Analyses transactional risk measures including default, correlations and stress losses to enhance concentration risk views
    • Estimates the probability of defaults, loss given default in order to validate risk parameters (PD, LGD, EAD/CCF) calculated for internal credit risk management
    • Identifies adjustments required to risk parameters  (PD, LGD, EAD/CCF) calculated for internal credit risk management
    • Analyses  and monitors the company’s lease portfolio
    • Assessing  all other credit risks and making recommendation
    • Periodically analyses quantitatively and qualitatively the loan portfolio of the company based on sector concentration, volume concentration,product concentration, etc.
    • Periodically performs default/principal at risk assessment, measuring the impact of guarantors/collaterals and impact of group loan on risk exposure
    • Monitors compliance to credit and risk policies of the company
    • Prepares report on loan and lease portfolio
    • Prepares report on analytics of portfolio performance, emerging trends and areas of opportunity
    • Prepares comprehensive report on all repossessed lease assets identifying principal outstanding, loan-asset value, number of rentals outstanding, date asset is expected to be disposed and estimation of depreciation in asset value
    • Mitigates credit risk exposure related to portfolio management activities
    • Prepares report on probability of default using information from direct debit, cheque lodgement report and returned cheque report
    • Suggests initiative to ensure consistency and compliance with credit policies and improve credit qualities
    • Proposes evolutions in the policy, process, procedure, methodology, collaterals related to the risk identified
    • Makes recommendations for process improvement, addressing gaps and areas for additional or improved reporting and data
    • Responsible for training the department on identified trends and recommendations

    SKILLS & KNOWLEDGE

    • Ability to review, analyse and report credit and risk activities and data in a way that is easily understood  to make better decisions.
    • Ability to handle and work efficiently with Microsoft Office Suite, Google Suite and other statistical and analytical softwares or application especially Microsoft Excel and Powerpoint.
    • Ability to present and communicate analysis and recommendations to business leaders by supported facts.
    • Knowledge of all practices and procedures involved in credit and risk management and how they can be implemented in a way that minimises financial loss.
    • Ability to identify gaps within the credit policies.
    • Ability to  anticipate and identify financial and economic trends as regards loan and lease portfolio.
    • Ability to understand business trends, situations, practices, procedures and models
    • Ability to function within defined guidelines and procedures to resolve routine issues
    • Ability to measure financial data to evaluate financial performance and position

    Educational Qualification & Functional/Technical Skill or Certification

    • B.Sc/M.Sc in Economics, Accounting, Finance, Statistics, Mathematics or any other relevant discipline.
    • At least 1-2 years of  relevant experience

    Method of Application

    Applicants should send CVS to careers@conceptgroup-ng.com

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