Responsibilities

• Work with the Control Manager to assess credit applications.
• Conduct preliminary interviews with loan applicants.
• Monitor the sales team for emerging risks and develop a robust system to identify, manage and control credit, market and operational risks.
• Prepare timely, comprehensive and reliable credit risk reports to senior management and board on a regular basis.
• Assist in the development of risk policies, procedures, and standards.
• Review all loan documents and agreements to make sure they are all complete, valid and in accordance with the company’s guidelines.
• Assess the credit worthiness of existing or prospective clients.
• Ensureproper documentation of credits by adhering to set documentation standards and procedures
• Work out plans and strategies for delinquent customers and provide additional support with respect to exposures requiring legal action.
• Review and analyze the delinquent portfolio to identify key causal factors, make recommendations and track them to ensure adequate and timely closure.
• Carry out any other task as required from time to time.

Requirements

• HND/ B.Sc. Degree in Finance, Accounting, or related disciplines.
• 2 years of experience as an analyst in a Microfinance Bank is a major consideration.
• Strong ethical behavior and the ability to work with sensitive financial information.
• Excellent knowledge of loan application procedures and best lending practices.
• Strong written and verbal communication skills.
• Exceptional analytical skills, sound assessment and time management skills.