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Credit Risk Analyst, you will be responsible for evaluating and managing credit risks and ensuring compliance with regulatory requirements. The ideal candidate will have a deep understanding of credit risk management principles, experience in the company market, and strong analytical skills. This role requires an individual with excellent decision-making abilities, the ability to work well under pressure, and the confidence to collaborate with diverse teams and stakeholders.
Responsibilities
- Assess and evaluate the creditworthiness of clients and borrowers within the African market, ensuring adherence to credit risk policies and guidelines.
- Conduct comprehensive credit risk analysis and due diligence on potential borrowers, utilizing financial models and industry-specific risk assessment tools.
- Monitor and continuously assess credit risk exposure across the portfolio, analysing trends and identifying potential risks or areas for improvement.
- Collaborate with various internal teams, including underwriters, finance, and legal, to streamline credit risk processes and ensure consistent decision-making.
- Review and analyse credit documentation, loan agreements, and collateral requirements, ensuring compliance with internal policies and external regulatory guidelines.
- Establish and maintain effective relationships with external stakeholders, including credit rating agencies, banks, regulatory bodies, and other financial institutions.
- Provide guidance and training to teams involved in credit risk activities, ensuring a thorough understanding of credit risk management principles and best practices.
- Monitor and provide regular reports on credit risk metrics, key performance indicators, and portfolio trends to senior management and relevant stakeholders.
- Stay updated on industry trends, market conditions, and regulatory changes in the African market, enabling proactive risk mitigation strategies and adjustments to credit policies.
- Support continuous process improvements across finance reporting, working capital, and performance management
- Support the preparation of budgets, forecasts, and rolling outlooks, including variance and assumption analysis
- Support cash flow forecasting, monitoring, and analysis across the business
- Ensure compliance with finance policies and controls, supporting audits, systems enhancements, and data quality initiatives
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Requirements
- Bachelor's degree in finance, Economics, Business Administration, or a related field. Advanced degree or certifications (e.g., FRM, CFA) are preferred.
- Proven experience in credit risk management within the company market, with a minimum of 3 years in a similar role.
- In-depth knowledge of credit risk management principles, methodologies, and regulatory frameworks within the African context.
- Strong analytical and quantitative skills, with the ability to assess complex financial data and make sound
- credit risk decisions.
- Familiarity with risk assessment tools, credit scoring models, and underwriting practices.
- Excellent understanding of industry-specific credit risk factors and market dynamics in the African market.
- Proficiency in using financial analysis software , risk management systems, and MS Office applications.
- Effective communication and presentation skills, with the ability to articulate complex credit risk concepts to diverse audiences.
- Strong problem-solving and decision-making abilities, with attention to detail and accuracy in credit risk assessment.
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