Credit Risk Analyst

1 week ago


Lagos, Lagos, Nigeria Maritime Microfinance Bank Limited MMFB Full time

Job Summary: Maritime Microfinance Bank Limited seeks a Credit Risk Analyst to produce quality and timely credit analytic reports, develop and update reporting tools, and highlight portfolio-related risk management issues.

Responsibilities:

  • Produce credit analytic reports for Management and stakeholders, adhering to approved definitions, templates, and formats.
  • Develop and update the Bank's credit risk analytic reporting tools, ensuring adequate and effective reporting processes.

Main Duties:

  • Prepare internal credit risk analytical reports, including credit risk reporting packages, vintage analysis reports, and transition matrix reports.
  • Provide monthly analysis using dashboards to highlight portfolio-related risk management issues, including concentration, patterns, trends monitoring, and stress testing.
  • Prepare reports for the Maritime MFB Control and Risk Department, including monthly group credit risk reports and other credit risk-related reports.
  • Share credit risk trends, patterns, and stress testing results with the top management team.
  • Coordinate monthly Management Risk Committee meetings, preparing and updating presentations and liaising with other units/departments.
  • Provide technical assistance to the Business Development manager and Head Office Managers on credit risk modelling and financial report preparation.
  • Perform other related duties as required.

Qualifications and Skills:

  • Minimum of HND or Degree in Finance, Accounting, Economics, Business Administration, or related field from a reputable University or Polytechnic.
  • Minimum of 2-3 years' experience in Credit, Loan, and Asset Recovery.
  • At least two years' experience in banking-related activities.
  • Good years of experience with business analytics, report creation, data validation, and report validation.
  • Good communication, verbal and written skills.
  • Proficiency with Excel (intermediate to advanced level) and PowerPoint.
  • Strong analytical, technical, and problem-solving aptitude.
  • Professional, ethical, and discretion when dealing with confidential information.
  • Strong communication and interpersonal skills and presentation abilities.
  • Committed, responsible, and able to work under pressure and limited time frames.
  • Ability to carry out work on an independent basis and in working groups and teams.
  • Good planning and organizing skills.

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