Credit Risk Officer at Addosser Microfinance Bank

Responsibilites

• Evaluate customers' loan applications in line with the organisation's credit policy.
• Identify critical risks in credit requests and provide advice on how requests can be restructured in line with the bank’s risk appetite.
• Has relevant experience in analysing consumer and SME loans.
• Organisation of the credit committee.
• Portfolio management & reporting.
• Create innovative credit evaluation processes and systems.
• Evaluate clients for credit worthiness based on our internal risk models & their application information.
• Detect fraudulent applications and unreliable applicants.
• Review Facility Letters and Loan Agreements, scrutinising the signed documents to ensure the accuracy of the contracts.
• Continuously ensure alignment/compliance with the credit risk management framework.
• Continuously analyse and recommend improvements on the credit risk management framework, processes and systems.
• Preparation of statutory reports.

Qualification / Requirements

• A First Degree in Economics, Finance or any other discipline, a Master’s Degree is an added advantage.
• 2 - 5 years’ relevant experience in the Financial Services Industry.
• Good knowledge of accounting and relevant lending ratios.
• Experience in Credit Risk Management
• Data Analytics and Effective Communication
• Good Knowledge of Credit Analysis and Appraisal
• Experience in SME
• Good reporting skills.