Risk Analyst

4 weeks ago


Lagos, Lagos, Nigeria Jobrole Consulting Limited Full time

Responsibilities

  • Engage clients to gather information and documentation for credit analysis processes.
  • Review incoming requests to determine eligibility for loans.
  • Carry out comprehensive credit analysis to arrive at a credit score and final loan decision.
  • Set up, implement and manage loan covenants, risk triggers, collection mandates and collaterals.
  • Gather data to populate our daily market commentary broadcasts
  • Stay abreast of industry and market issues as they affect the finance industry.
  • Conduct periodic portfolio stress tests to continuously monitor the state of the loan portfolio.
  • Create methodology to monitor, report and mitigate deteriorating credits thereby limiting NPL and provisioning.
  • Provide Credit Portfolio Reports.
  • Identify and proffer credit risk mitigating processes and strategies.
  • Support Management in the conceptualization and implementation of the retail growth strategy and product developments.

Requirements

  • BSc in Accounting, Banking & Finance, Marketing or related field.
  • Minimum of 3 years cognate experience in credit underwriting and loan disbursement from a Digital Lender or Microfinance Bank.
  • A good knowledge of the micro-credit and SME loan industry, with hands-on experience with lending procedures and products.
  • Excellent analytic, numerical, organizational, critical thinking, logical reasoning, communication and presentation skills.

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