Credit Risk Analyst at Elizabeth Maddeux

Job Summary

• The Credit Risk Analyst is responsible for assessing, monitoring, and managing credit risk within the bank’s loan portfolio.
• The role involves evaluating loan applications, analyzing financial and business performance, identifying potential risks, and ensuring that credit decisions align with the bank’s risk appetite, policies, and regulatory requirements.

Key Responsibilities

• Review and analyze loan applications to assess creditworthiness of individuals and SMEs.
• Identify potential credit risks and recommend appropriate risk mitigation measures.
• Monitor the performance of the loan portfolio to identify early warning signals.
• Ensure all credit processes comply with Central Bank regulations and internal policies.
• Provide management with insights and recommendations to improve portfolio quality.
• Support the development and review of credit risk policies and procedures.

Qualifications & Experience

• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or related field.
• Minimum of 3-5 years’ experience in credit analysis, risk management, or lending within a bank or microfinance institution.
• Strong knowledge of credit risk assessment, financial analysis, and loan structuring
• Familiarity with Central Bank regulations and risk management practices.
• Proficiency in Microsoft Excel and financial analysis tools.

Skills & Competencies:

• Strong analytical and problem-solving skills.
• Attention to detail and accuracy.
• Risk assessment and decision-making ability.
• Good communication and report writing skills.
• High level of integrity and professionalism.
• Ability to work under pressure and meet deadlines.

What we offer

• Health Insurance.
• Employer Contributory pension.