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10 Oct 2019

Full-time La Fayette Microfinance Bank: Credit Risk Analyst Recruitment

La Fayette Microfinance Bank – Posted by Nigeria Job bucket Staff Nigeria

Job Description

La Fayette Microfinance Bank Limited – As an international registered microfinance bank, La Fayette Microfinance Bank offers a complete range of financial services and means of payment for its customers, including savings accounts, current accounts and fixed deposit accounts.

The Job : Credit Risk Analyst

Job Status: Full Time Job,Graduate/Exp

Remuneration: Attractive,

Location: Nigeria

Job Profile

Main Responsibilities and Task
Production:

  • Analyses and gives a motivated opinion on every credit file to be presented to LCM from above N3 million. This tasks implies the following:
    • Ensures that all credit files are in compliance with credit process and documentation (documents, checklist, credit bureau checks,  appendix, etc.)
    • Checks the source of information/data and their reliability
    • Checks the exactitude and accurateness of data and calculation
    • Checks the respects of the rules and methodology used
    • Checks the global consistency of data between themselves and according to sector/comparable activities
    • Checks and interprets evolution of data, identify trends
    • Identify additional risks (fiscal, licenses, contracts, credit history etc.)
    • Exchanges information with CO in order to complete LAF
  • Checks – with HSME  – that procedures of credit risk follow-up and monitoring is respected (quality and frequency of post-disbursement visits)

Analysis:

  • Periodically analyses quantitatively and qualitatively loan portfolio of Advans Nigeria (sector concentration, product concentration, etc.)
  • 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
  • Intervenes, if requested to, on certain cases of recovery

Control:

  • Controls loan files based on tangible/financial elements and are compliant with credit process and procedure
  • Informs directly MD/CEO/HSME in case of serious violations, in order for the management to take appropriate steps
  • The role and tasks will evolve with the growth of the organization.

Vertical mobility (within the same function):

  • Head, SME.

Qualification/Education and Work Experience

  • B.Sc / HND in any accredited and approved university and polytechnic.
  • Minimum of 3year work experience in a MFB having at least 18month experience as a credit analyst.

Skills:

  • High-level proficiency in written and spoken English; good knowledge of MS-Office; good interpersonal relations skills.

Personal Traits:

  • Tactfulness; self-disciplined; resolute and Value driven. Pragmatic and meticulous in processes and procedures; Ability to relate effectively across different levels of authority. Time conscious and purposeful. Self-starter and fast learner.

How To Apply

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Job Categories: Accounting Jobs In Nigeria. Job Types: Full-time. Job Tags: Credit Risk Analyst Recruitment and La Fayette Microfinance Bank jobs. Salaries: N200,000-N300,000.

Job expires in 39 days.

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