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  • Posted: Nov 15, 2018
    Deadline: Not specified
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    The genesis of The Concept Group was initially borne from a functional and structural approach, simply delivering better effectiveness through shared services of back office functions for its more market facing organizations. As the organization grew, the Group along with its member subsidiaries have evolved to embody much more. As a tested guiding light,...
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    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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