Job Duties:
Main responsibilities and tasks include, but not limited to the following:
PRODUCTION
Analyzes and gives a motivated opinion on every credit file to be presented to LCM from N3 million. This tasks implies the following:
i.Ensures that the file is complete (documents, appendix, etc.)ii.Checks the source of information/data and their reliabilityiii.Checks the exactitude and accurateness of data and calculationiv.Checks the respects of the rules and methodology usedv.Checks the global consistency of data between themselves and according to sector/comparable activitiesvi.Checks and interprets evolution of data, identify trendsvii.Identify additional risks (fiscal, licenses, contracts, etc.)viii.Exchanges information with CO in order to complete LAF
Checks – with COO – that procedures of credit risk follow-up and monitoring is respected (quality and frequency of post-disbursement visits)
ANALYSIS
Periodically analyzes quantitatively and qualitatively the loan portfolio of Advans Nigeria (sector concentration, product concentration, etc.)
Periodically perform default/PAR studies, measuring in particular the impact of collaterals, members of LCM and other on risk exposure
Makes recommendations (training, process, procedures, etc.) in order to improve the quality of analysis
Constitutes a database enable the Bank to build comparison/reference criteria between companies from the same sectors
Proposes evolutions in the policy, process, procedure, methodology, LAF, products, collaterals, related to the risks identified
Intervenes, if requested to, on certain cases of recovery
CONTROL
Controls loan files based on tangible elements
Informs directly MD/CEO/COO in case of serious violations, in order for the management to take appropriate steps
Required Skills and Competencies:EXPERIENCE
At least 2 year of experience in a financial institution on analysis.
FORMATION AND DOMAIN OF EXPERTISE
Formation: accountancy, banking and finance
Domain of expertise: analysis, risk management
IT skills: word / excel / powerpoint + openoffice environment
HUMAN QUALITIES AND SOFT SKILLS
Good human relationships
Analytical skills, synthesis skills
To apply, visit La Fayette Career Page
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