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  • Posted: Apr 11, 2022
    Deadline: Apr 30, 2022
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  • County Finance Ltd provides a lending opportunity to help businesses and individuals access quick finances for their needs and investors to get better returns. There are no middlemen, no banks, and no lengthy negotiations or delays.
    Read more about this company

     

    Credit Risk Supervisor

    Location: Ikeja, Lagos

    Major Responsibilities

    • This role will report to the Head of Credit and will be working with the credit department to analyze, assess, and evaluate the creditworthiness of a business, organization, or an individual credit application and responsible for the recovery of overdue payments from customers.

    Role and Responsibilities

    • Evaluate customers' loan applications in line with the organization’s credit policy.
    • Identify critical risks in credit requests and provide advisory on how requests can be restructured in line with the company’s risk appetite.
    • Portfolio management & reporting.
    • Evaluate clients for creditworthiness based on our internal risk models & their application information.
    • Detect fraudulent applications and unreliable applicants.
    • Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the correctness of the contracts.
    • Continuously ensure alignment/compliance to the credit risk management framework.
    • Continuously analyze and recommend improvement on credit risk management framework, processes and systems.
    • Preparation of statutory reports.
    • Assist in the development of risk policies, procedures, and standards
    • Portfolio management & reporting (weekly, monthly, Quarterly) including ensuring timely repayment and pursuing recovery of all non-performing loans.
    • Report daily, weekly and monthly progress against targets to Management.
    • Create innovative credit evaluation processes and systems and propose new techniques for risk analysis and management
    • Continuously ensure alignment/compliance to the credit risk management framework.
    • Continuously analyze and recommend improvement on credit risk management framework, processes, and systems.
    • Collaborate efficiently with business heads to complete risk assessments
    • Mentor junior colleagues within the department
    • Stay up to date on industry best practices for Risk Management
    • Make outbound collection calls to defaulting customers.
    • Maintain appropriate and comprehensive records of all customer discussions as it relates to debt recovery.
    • Participate in the weekly credit review committee meeting.
    • Review, process and reconcile accounts of indebted customers, to ensure amicable resolution & payment of agreed sum.

    Qualifications / Requirements

    • A First Degree in Economics, Finance, Accounting or any other related discipline, a Master’s Degree is an added advantage.
    • 2-3 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
    • Excellent reporting skills.

    Skills and Competencies:

    • Knowledge of proper and ethical debt collection techniques
    • Highly experience in digital lending space
    • Ability to quickly build a picture of a customer’s personal circumstances and needs.
    • Strong negotiating, counseling and problem-solving skills.
    • Working knowledge of Microsoft Office Suites Word, Excel and Access.
    • Ability to maintain high level of confidentiality.
    • Able to work well as part of a team and on own initiative.
    • Excellent listening ability and superb questioning techniques.
    • Customer relationship management skills.
    • Ability to work with little or no supervision.
    • Problem Solving, Critical reasoning, detail-oriented.
    • Excellent verbal, presentation and writing skills.

    Salary
    N100,000 - N150,000 monthly.

    Check how your CV aligns with this job

    Method of Application

    Interested and qualified candidates should forward their CV to: careers@countyfinanceng.com with "Credit Risk Supervisor" as the subject of the email.

    Note: Only shortlisted candidates will be contacted.

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