Credit Analyst at Westfield Consulting

RESPONSIBILITIES:

• Ensure proper maintenance of all credit files and documents to ensure compliance with regulatory standards.
• Ensure complete documentation of all loans before disbursement.
• Ensures that original copies of collateral documents are properly filed and kept.
• Review collateral documents to ensure that they are genuine.
• Ensure that limits are monitored; incomes, fees, maturing repayments and anniversary charges are captured.
• Review all credits for quality, performance and compliance with approved terms and conditions and credit policy
• Provide a strategic framework for event-based credit monitoring i.e. rapid portfolio review
• Review portfolio for concentration risks, global limits etc. and recommend appropriate actions.
• Conducting credit checks on both sitting and prospective customers and ensuring charges are effected
• Ensuring release of documents are made available upon full liquidation of facilities
• Ensuring forensic audit on customers account and making sure it is adequately computed
• Generating report for Management use
• Prepare and render timely Credit Reports for Regulatory Bodies as at when due.
• Creating a Direct Debit Mandate on customers bank account via Cyberpay and monitoring transactions in such accounts
• Weekly generation of expected collection report
• Ensure that the department is operating within budgetary limits
• Perform any other tasks as assigned by the Head of Department

REQUIREMNTS:

• First degree in statistics or any discipline.
• Relevant professional certifications such as Chartered Financial Analyst (CFA), Professional Risk Manager (PRM), Financial Risk Manager (FRM) etc. and/or a second degree are added advantages.
• Minimum of 3 years post qualification experience in risk management or related area within the Financial Services Industry
• Proficiency in statistical packages and financial software
• Up to date with legal, compliance and market risk related issues
• Ability to analyze cash flows, leverage, collateral and customer strength
• Strong communication and presentation skills
• Sound judgement