Credit Analyst – Anglophone West Africa (AWAF) Credit Intelligence & Analytics Unit, Credit Assessment at African Export-Import Bank (Afreximbank)

About the job

• Conduct annual and ad hoc credit reviews of the Bank’s existing obligors and their credit facilities.
• Identify actual and potential credit weaknesses to recommend timely action for credit quality improvement.
• Prepare comprehensive credit summary reports, highlighting key risks and recommendations for exposure strategy and credit mitigation.
• Review transaction requests to confirm compliance with the Bank’s eligibility criteria.
• Conduct country risk credit reviews and credit grading for the Bank’s sovereign portfolio.
• Perform financial statement analysis, assessing credit requests and annual reviews.
• Generate credit intelligence reports to inform lending decisions and manage risk.
• Provide country risk review insights, banking sector risk analyses, and sector-specific credit risk assessments.
• Support the development of credit models and risk rating tools.
• Track borrowers’ compliance with financial covenants and other credit terms.
• Ensure credit records are updated on Salesforce, reflecting actual transaction status.
• Conduct preliminary credit rating assessments using relevant rating models (Financial Institutions, Corporates, Project Finance, Structured Trade Finance).
• Liaise with the Compliance Department for KYC/CDD verification and obtaining regulatory reports.
• Prepare management reports on credit transactions for monthly reviews, Board updates, and strategy meetings.
• Assist in arranging credit-related meetings, taking minutes, and preparing back-to-office reports.
• Support the tracking and reporting of Credit Assessment strategic objectives and initiatives.
• Assist in preparing periodic updates on transactions, risk exposure, and credit performance.
• Adhere to Afreximbank’s AML, Regulatory, and Conduct Compliance policies, including:
• Anti-Money Laundering (AML) & Counter-Terrorism Financing
• Conflicts of Interest Policies
• Anti-Bribery & Corruption (ABC) Guidelines
• Insider Trading & Market Conduct Rules
• Report any suspicious or non-compliant activities to the Compliance Department.
• Complete the Annual Compliance Training & Assessment.

Education:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field (minimum Second-Class Honors).
• MBA or relevant professional certification (CFA, ACCA, CPA) is an advantage.

Experience:

• Minimum 1+ year of work experience in credit analysis, risk assessment, or financial analysis.
• Understanding of credit risk principles, financial statement analysis, and loan structuring.

Technical Skills & Knowledge:

• Proficiency in Microsoft Excel, PowerPoint, and financial modeling.
• Strong expertise in financial risk assessment, credit intelligence, and risk modeling.
• Familiarity with rating models, KYC/CDD requirements, and compliance processes.

Soft Skills:

• Excellent communication and presentation skills.
• Strong problem-solving and analytical abilities.
• High attention to detail and ability to manage multiple tasks.
• Ability to work in a fast-paced financial environment.