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  • Posted: Oct 10, 2019
    Deadline: Oct 11, 2019
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    History and vision: Created in June 2012 and formally incorporated as La Fayette Microfinance Bank Ltd, Advans Nigeria is the seventh greenfield of the Advans Network. Advans Nigeria’s objective is to target MSMEs in urban areas of Nigeria, where market studies have shown that only one in ten entrepreneurs has access to credit. Network: Advans Niger...
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    Credit Risk Analyst

    Main Responsibilities and Task
    Production:

    • Analyses and gives a motivated opinion on every credit file to be presented to LCM from above N3 million. This tasks implies the following:
      • Ensures that all credit files are in compliance with credit process and documentation (documents, checklist, credit bureau checks,  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, credit history etc.)
      • Exchanges information with CO in order to complete LAF
    • Checks – with HSME  – that procedures of credit risk follow-up and monitoring is respected (quality and frequency of post-disbursement visits)

    Analysis:

    • Periodically analyses quantitatively and qualitatively 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/financial elements and are compliant with credit process and procedure
    • Informs directly MD/CEO/HSME in case of serious violations, in order for the management to take appropriate steps
    • The role and tasks will evolve with the growth of the organization.

    Vertical mobility (within the same function):

    • Head, SME.

    Qualification/Education and Work Experience

    • B.Sc / HND in any accredited and approved university and polytechnic.
    • Minimum of 3year work experience in a MFB having at least 18month experience as a credit analyst.

    Skills: 

    • High-level proficiency in written and spoken English; good knowledge of MS-Office; good interpersonal relations skills.

    Personal Traits: 

    • Tactfulness; self-disciplined; resolute and Value driven. Pragmatic and meticulous in processes and procedures; Ability to relate effectively across different levels of authority. Time conscious and purposeful. Self-starter and fast learner.

    Method of Application

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