Jobs

La Fayette Microfinance Bank Limited Vacancy for a Credit Risk Analyst

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La Fayette Microfinance Bank Limited will join Cameroon, Ghana, Democratic Republic of Congo, Tanzania, Cambodia and Ivory Coast as member of Advans group network. Advans SA SICAR was
created in 2005 by Horus Development Finance together with several development financial institutions: IFC, FMO, KFW, CDC, EIB, AFD Group. The Advans group has 2.600 employees throughout the world, and almost 320.000 clients. 

La Fayette Microfinance Bank Limited will join Cameroon, Ghana, Democratic Republic of Congo, Tanzania, Cambodia and Ivory Coast as member of Advans group network. Advans SA SICAR was created in 2005 by Horus Development Finance together with several development financial institutions: IFC, FMO, KFW, CDC, EIB, AFD Group. The Advans group has 2.600 employees throughout the world, and almost 320.000 clients.

Job Title:  CREDIT RISK ANALYST

Job Duties:
Main responsibilities and tasks include, but not limited to the following:

PRODUCTION
Analyzes and gives a motivated opinion on every credit file to be presented to LCM from N3 million. This tasks implies the following:
i.Ensures that the file is complete (documents, appendix, etc.)
ii.Checks the source of information/data and their reliability
iii.Checks the exactitude and accurateness of data and calculation
iv.Checks the respects of the rules and methodology used
v.Checks the global consistency of data between themselves and according to sector/comparable activities
vi.Checks and interprets evolution of data, identify trends
vii.Identify additional risks (fiscal, licenses, contracts, etc.)
viii.Exchanges information with CO in order to complete LAF
Checks – with COO – that procedures of credit risk follow-up and monitoring is respected (quality and frequency of post-disbursement visits)

ANALYSIS

• Periodically analyzes quantitatively and qualitatively the loan portfolio of Advans Nigeria (sector concentration, product concentration, etc.)
• Intervenes, if requested to, on certain cases of recovery
• Periodically perform default/PAR studies, measuring in particular the impact of collaterals, members of LCM and other on risk exposure
• Makes recommendations (training, process, procedures, etc.) in order to improve the quality of analysis
• Constitutes a database enable the Bank to build comparison/reference criteria between companies from the same sectors
• Proposes evolutions in the policy, process, procedure, methodology, LAF, products, collaterals, related to the risks identified

CONTROL

• Controls loan files based on tangible elements
• Informs directly MD/CEO/COO in case of serious violations, in order for the management to take appropriate steps

Required Skills and Competencies:

EXPERIENCE

• At least 2 year of experience in a financial institution on analysis.
• FORMATION AND DOMAIN OF EXPERTISE
• Formation: accountancy, banking and finance
• Domain of expertise: analysis, risk management
• IT skills: word / excel / powerpoint + openoffice environment

HUMAN QUALITIES AND SOFT SKILLS

• Good human relationships
• Analytical skills, synthesis skills

How to Apply

Interested and qualified candidates should Click Here to Apply

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