CREDIT RISK ANALYST at La Fayette Microfinance Bank Limited, Advans Nigeria

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:

i.Ensures that the file is complete (documents, appendix, etc.)
ii.Checks the source of information/data and their reliability
iii.Checks the exactitude and accurateness of data and calculation
iv.Checks the respects of the rules and methodology used
v.Checks the global consistency of data between themselves and according to sector/comparable activities
vi.Checks and interprets evolution of data, identify trends
vii.Identify additional risks (fiscal, licenses, contracts, etc.)
viii.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