• Application Deadline:
• Position: Credit Risk Control & Analytics Officer



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience



• Location Lagos




• Job Field Banking 
  
  

Are you an experienced Credit Risk Control & Analyst?

We have an exciting opportunity for you!

Responsibilities Include:

• Daily review and recommendation of all credit facilities and credit product products.


• Ensure compliance with the Bank Credit Risk Policy Guide and documentation facility approval memorandum in the analysis of credit requests.


• Carry out the spreading, analysis and interpretation of financial statements.


• Quantitative and qualitative assessment to identify and quantify the financial and business risks of customers.


• Assign credit ratings to all customers by using internally developed and approved rating methodologies and models.


• Monitoring and management of credit portfolio to ensure the achievement of high-quality loan book with NPL less than 1%.


• Assessment or understanding of the operating environment (i.e. country, industry, regulatory and legal risk) and how it impacts the risk profile of the Bank credit portfolio.


• Evaluate customers' loan applications in line with the bank's credit risk policy guide.


• Independent review and assessment of the credit and financial profiles of the bank's target market across industry segments, including financial institutions.


• Understand applicable credit policies, industry regulations and the requisite impact of those governance items on prospective new partners or product initiatives.


• Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity


• Continuously ensure alignment/compliance to the credit risk management framework.


• Continuously analyze and recommend improvement on credit risk management framework, processes and systems.


• Regular stress testing of the Bank’s balance sheet and preparation of Internal Capital Adequacy Assessment Process (ICAAP).


• Preparation of regulatory reports.

Requirements

Education/Qualification

• A Bachelor of either Finance, Business Administration, Economics, or any related field.

Experience

• A minimum of 6 years of experience in Credit Risk Control and Analysis.

General Knowledge and Skills

• Knowledge and understanding of legal issues relating to security, relevant legislation or regulatory requirements, including IFRS 9, Basle II and III.


• Knowledge and understanding of financial statements.


• A good understanding of credit ratings, portfolio management and credit pricing.


• Good understanding and knowledge of the Prudential Guidelines.


• Good understanding and knowledge of the different industries 


• Credit risk and loan assessment


• Good knowledge of MS Office and Finacle Banking Software.


• Good knowledge, analysis and interpretation of financial Statement.


• Ability to motivate colleagues to meet set targets and goals.