Job Summary

The Credit Risk Analyst shall be responsible for the compliance of the department to the Credit Policy and other institutional Standards and Procedures.

  • Minimum Qualification: HND
  • Experience Level: Mid level
  • Experience Length: 2 years

Job Description/Requirements

Specific Description of Responsibilities:

  • Responsible for the review and verification of data in accordance with the Credit Policy.
  • Responsible for the review and verification of documents against checklist.
  • Responsible for ensuring that after all Credit requests have been through the quality control process, they are activated within 24 hours as per policy.
  • Responsible for ensuring that all errors and omissions detected with Credit Papers are immediately escalated to rectify so disbursement process can continue.
  • Provide training/coaching to improve on quality of loan proposals request.
  • Responsible for ensuring that all statistical data relating to the department is accurately captured on a daily basis.
  • Responsible for generating portfolio reports as directed by Management.
  • Responsible for escalating complaints to the Risk Manager where necessary.
  • Pre-empt fraud detection challenges at the strategy and portfolio level and provide analytical/modelling solutions.
  • Utilize customer data to build risk segmentation and mitigation strategies.
  • Assist to establish and monitor policies and procedures that will foster the company's potential to meet its sales and risk management goals.
  • Actively support efforts to identify credit risk related issues and assist to coordinate issues resolution management.
  • Assist to produce key management reports and respond to adhoc requests by managing consumer credit risk reporting resources.
  • Assist in other risk areas as will be directed by Line Manager.
  • Any other responsibilities that will be assigned by both Line Manager and Management

Educational requirements:

  • Higher National Diploma/ Bachelor’s Degree in a related field

Other Requirements:

  • Must be focused, organized and able to meet deadlines.
  • Must take pride in delivery quality every time.
  • Previous experience in a similar role in a reputable institution would be advantageous.
  • Must have integrity.

Skills / Attributes

  • Hard working and goal driven.
  • Good analytical skills
  • Experience in leading a team.
  • Excellent management skills.
  • Good communication and interpersonal skills
  • Experience in performance management
  • Neat and organized person.

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